Very few allow any subordinate financing below their note but I do have ONE that allows 90% CLTV (they loan 75% and allow you to secure a 15% seller carryback as long as you come in with 10%). 

Of course the solo would also pay the notes.

That's a gr-AI-t post. 

@David F.As Russell mentioned co-ops are probably 1/2 the price of a condo and you would also have extensive costs to set up a co-op and typically it’s my understanding the builder funds the first 1-2 years of reserves.

This is my first post on here and excited to share my real estate investing journey with the best partner in the world, my wife.. we are looking into buying our first investment property via hard money.

What other costs are actually there that aren't coming up in my search that don't exist when simply filing for exemption?

So he bought up several owner financed properties that offered 0% down, and he cash flowed. 

Just keep in mind the MIP doesn't come off the loan like normal PMI at 25% equity.

.: @Dominic Mazzarella Thank you for the help!

They focus on the bigger picture.