We went down to thw studs on most rooms. 

If it were me as a seller the over asking price ok and down payment but I would make you pay interest only at 8-9% for a year or two with a balloon.

I think that is what Oregon is trying to track down on - Sketchy people dodging disclosure.  

Looking to limit the amount of cash I need to put in (ideally under $10k) by leveraging different financing options @Eric Huntermark I think less than $10k down on a purchase price of $150k is going to be hard to find.

Like everything in real estate, it comes down to negotiating a good deal upfront.

If they lie and don't pass your screening, that's their fault.It helps to have your screening criteria written down so you can share it with them.

If you are eligible, you can buy up to a four-unit property with zero down as long as you live in one of the units.

.), and anything else that is important to them.Ask follow-up questions to dig deeper and learn more (without being too intrusive) then jot down any relevant notes so that you can reference them down the line during your follow-up calls.

I can also be a resource for you if you're interested in acquiring run-down or as-is properties.I look forward to connecting with you and learning more about your real estate goals.

If you're going for a 6-12 month tenant, your premium to the longer term rate will come down.