I have the money to buy now but I would rather do creative financing and use as little money as possible out of my own pocket. looking to start with BRRR method but maybe should start with a wholesale first to fund that?

If someone offered to finance this house to you at your current rates if you put down $250k would you do it?

This is basically a math problem that will depend on both you personal finances & also how much of this is an investment vs you want a nice house to live in4.

I would use 30k + 24k (Fund 1) + 401k to finance the duplex.

Lower costs mean better profits and fewer financing headaches, plus taxes and expenses are much lower than in places like Florida and NYC.

I know property managers in every state who use non-refundable application fees and it is the standard for every class of property and applicant.

Ignore seller finance for a second...Can you buy a house, put 20% down...yes.

My client and I settled on an offer of $405k with all contingencies in place (inspection, appraisal, financing).

Full disclosure, I only deal in LTR at the moment, but I know when I am not getting the quality applicants or volume that I want, I will lower the price by $50 to $100 per week to spur more applications. 

My investors acquire with cash as a routine investment strategy to secure properties quickly and eliminate competing buyers using financing.