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).

Keep the wood (or sheetrock if you choose) an inch or two off the floor to not wick water.

Has anyone made a low offer?

For the duplex, would you consider it to be in a high quality (A), medium (B), or low (C) neighborhood?

Stop reading if you want.2) I couldn’t guess what “There is a 6 months of grace period before interest payment begins” means.3) They call their $3555 charge a “Loan Fee,” stated a few lines up as 2%. 2% of $235,000 (loan amount) is $4470.4) Do you seriously believe the loan fee, “… IS 100% REFUNDABLE IF THERE IS ANY DEFAULT FROM THEPART OF THE LENDER OR IF THE BORROWER CHOOSES TO TERMINATE THE LOAN.”5) It’s okay to pay an appraiser directly.

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

@Rishika Garimella I am a local home inspector and investor in the area. i think Austin is a sleeping giant right now. the rates are really scaring away buyers. but since competition is so low right now, its a great time to snag some property while its not being ripped apart by investors. i think the hutto manor area is a great choice, once that freeway opens up that connects taylor to round rock, it will definitely become a point of interest.

I will follow the advice here to keep high deductibles and low premium and save the premium for any contingencies later.

@Cory Prior There are ways of doing low-money down strategies.  

Yes they suck. ...alot lol.Nice south bay burbs are still highly desirable, low DOM, naturally appreciate and coupled with value add still present good returns.Ironically techies (from many different cultures) still want a 3/2 picket fence house.This strategy, however, comes at great personal discomfort.