Not sure how that would work out because I may have to do a 20% down.  

How did it work out for you?  

Good for you for making those offers despite the fact that they didn't work out.

I'm fairly new too.How did your first duplex with you living in it work out? 

Of course, the landlord can contract the work out to the student, but that's on a separate contract.I've read stories of tenants that negotiated for lower rent in exchange for snow/lawn duties, then called up the landlord and demanded that they do it.

I also get annoyed with the rehab loans however they can work out really well.

The first one is probably out of your reach...the second one might be something you can work out if the seller is motivated and kind.

This deal has more hair on it than just QCD:original owners were foreclosed upon by Fanny Mae;then the property was transferred or sold by Fanny to this bank;the bank has been sitting on it for 4 years and finally decides to sell, butin addition to QCD they want cash only (not even hard money);10% earnest money deposit - I have no problem with it if I can get it back in case the deal does not work out - but they allow forno option period and no contingencies of any kind!

Records show it is owner occupied but who knows there could be a tenant there...I hope to have a cash for keys deal done but want to get started on judicial evictions ASAP in case it doesn't work out.

Funny how things work out.