This would be my second purchase in the Pittsburg area. I am partnering with another investor who owns 4 single family homes in that vicinity. I own 4 rental properties and a small strip mall in the Baltimore area

My mission is to have people use creative financing  safely, ethically, and legally.

Another possibility is looking into a home equity line of credit (HELOC) on your personal residence, which could help you tap into available equity without a large lump-sum repayment upfront.

Fix it.We eliminate as much landscaping as possible: we take out flower beds and most decorative features, ideally, lawn mowing is the only job tenants have to do, because we know that's all we can expect from most.

My goal for this year is to work on buying my first investment real estate property in 2025 and possibly a second before year end.

@Sang Kim- thanks for clarifying you are trying to get a commercial loan ...this is a  completely different product than a home loan ...You still should be able to  locate and obtain a good commercial loan  without  having to pay any fees upfront  ( other than possibly paying for the appraisal after the  loan has been  approved )

How did you finance this deal?

Some have used this method to obtain 100% financing.

The credit thing should not be an issue for many DSCR folks like myself. 80% ltv may be an option, but,I have seldom found the tradeoff in cost/rate to be worth it in the last 12 months. 0% origination is possible, but, as others have said compensation is received in one fashion or another (higher rate, processing fee, etc.).

I realize these are already very good terms, but I thought I'd check what is possible.