Using leverage to scale, such as borrowing against this cash for larger down payments?

I like to find owner finance deals and just finance the down payment for as many years as I can for cash flow.

I have been trying to save up money but it is not near a down payment for a traditional loan.

Yes I know about the VA loan (no down payment) and VA disability payments, more on that later.  

I bought my first rental in June of 2024 and have had a tenant that has been making late payments since day 1.

.- Would you be requiring custom changes often to your digital workflow?

Low Down Payment OptionsGerman lenders often offer financing programs requiring only 5-10% down payments, particularly for primary residences.Strong financial regulations in Germany support these low down payment options.3.

There is no requirement to use them as mentors for doing the rehab projects as described in the horror story above, but they do their own underwriting so they will be investing themselves to assure the deal makes sense and is successful to assure they get their payments and interest. 

They owe payments. 

Keep in mind of the I/O(payments/period) and game plan on how fast you'd like to pay it down.