In my eyes, "heavy" competition is very subjective.

Morby says something in his groups that isn’t covered here.

Building a network here can open doors to partnerships, mentorships, and local insights.3.Explore the Blogs and Podcasts: BiggerPockets has tons of content—blogs, podcasts, webinars—that cover everything from beginner strategies to advanced investment tactics.4.Utilize the Deal Analysis Tools: If you’re considering an investment, the deal analysis calculators are invaluable for running numbers and understanding potential returns.5.Set Clear Goals: Define what you want to achieve, whether it’s learning a specific strategy or connecting with certain types of investors.

Another option is to explore private lenders or HELOCs to cover the equity.

Zillow also hs a "Make Me Move" feature you can click on to see home owners listing their property in hopes of a good offer.I have also seen peopl reach out tp local AFL Assisted living facilities to talk to the Admin or on boarding nurse to see if ay families or people need to sell their home to cover costs.

If you lean on it too heavy, it may just tell you what you want to believe in the first place.  

AND The balance on one statement is < 100 and other not enough to cover the first months rent and deposit.

The 20 years covers your kids potential needs.  

Newbies always want someone to cover their mistakes when things don't go as planned.What have you done to solve YOUR problem?

Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.