Like @Tom Wong I'm originally from Honolulu, and have been in Japan since '97.

Some of these comps aren't in the same subdivision and the sqft for all of them are a lot less than the original property.

I recommend that you find a trusted or recommended Mortgage Loan Originator (MLO), who can give you options for property-based loans (mostly investment loans) and they don't use your taxes but the P&L of the property.

Assume that i got margin with IBKR their calculation shows 5.4% and costs 21.8k per year for 400k.So assuming property is 700k with conventional loan and 670k with cash offer.I manage to find another 270k (this is what I'm asking) without paying any origination fees.

My original plan was to save up for a year and buy my first home.

It's rarely fully transparent to the seller and never to the original lender.

I am originally from Tyler, Tx. so am familiar with the area and frequent there often.

Originally posted by @Roy N.

Originally posted by @Brendan F.

I'm originally from Florida and jumped into real estate after burning all the boats.