The current rate is extremely low.

@Geovanni Cano sellers don't like FHA, it is meant for people with little money and very low credit score, plus you have an FHA inspection which can derail a deal a week before closing, nothing the buyer can do.

Keeps costs low and guests satisfied!

I'm an investor and mortgage broker and have options for loans that go as low as $75,000 and down payments as low as 15%, which makes it easier to stay above $75,000.

I feel this gives me the flexibility to find the right solution for my client and not just sell what my bank offers.I'll also throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).

Does not appear to be low IQ person to me .

An emergency fund needs to be liquid, and immediately available to you in addition to being low risk and protecting principle. 

It’s just more than I can afford, and I don’t want to offend you with a low offer.”

However historically (last September) they had estimated December of 2023, so we will see.The pre construction appraisal was in the low 400s. 

I applaud you for putting it out there but 1) maintenance/cap ex is far too low for a duplex 2) no PM. 3) vacancy at 1% will be challenging if achieving near market rent.