I get it but over time, you are going to have to understand that no matter what you do, eventually you will have an azz that wants to give you a low rating.

Low to zero down on your first house. 

Our criteria for buying rental properties are desirable neighborhood with mostly owner occupants, good schools and low crime rates. 

Financing Your First Flip with Low CashHard Money Loans (HML): Covers most costs but requires 10-20% down, with 10-12% interest.

I'm looking to buy my second property next year, I could get a low/mid tier duplex in my area for 250-380. 

To make the acquisition feasible, I utilized an FHA loan, capitalizing on the historically low 2.875% interest rates and the attractive 3% down payment option.

If you don’t urgently need the money, letting appreciation and rent growth work in your favor for another year or two might put you in a much stronger spot.If your goal is to stay liquid while keeping expenses low, a HELOC is probably your best bet for now.

Even though it was a serviceable rental property before with an exceptionally low risk of harming anyone, you would have destroyed the value of the property for yourself, the community, and those seeking a place to live. 

With the spring home buying season fast approaching, if these levels stay low, this will just push prices even higher in 2025.

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