A true Portfolio program offers a 15% Down for any SFR or up to a 2-4 Unit Multifamily but requires proof of some sort of income.

That is the thing about the game we are playing....every job is diferent and you can count on absolutely nothing.

Gotta have some skin in the game. 

If all that is true try @Dave Foster.

Views, indoor pools, game rooms and proximity to attractions.

Most agents, I can tell you from experience, will not spend too much time on you since your so fairly new and at your purchase price your not a big fish so they will tend to put you on the back burner since heir return is not going to be a game changer.

Grateful to be part of this amazing community of go-getters and game-changers.

Nothing wrong with being a bit new - there are options out there for all stages of the game. 

I notice you skip right over who does the clean up, Jim, and who has to approve building in areas that aren’t defensible.I also see that now you admit that your fairy-dust belief that people “will” work with insurance companies to clean up is not necessarily true.

Dear Wilkes-Barre-Scranton area, my name is Gabe and I'm relatively new to the real-estate game- but I'm eager to learn.