I am really inspired by people who a take something that 95% of other investors would pass on and make it work exclusively for them through sheer will and creativity even with bad market conditions.

There are so many great local lenders you will have great options for figuring out the best loan for you - you don't *need* to put 20% down by any means, but never a bad thing to go that route if you can.

Hey @Brody VeilleuxLets first dismiss some really bad info that was stated by others:Please, do NOT tell a hard money lender you are buying an investment property and then move into it!

We bought a lot with cash 2 years ago with plans to build in 2024. 2024 was a bad year for my family.

A nice home that may some day make a bad rental but a good primary home An exchange in to a state without state income tax to save that 10% in state income taxes.  

Most S8 tenants have a history of bad decisions, often having convictions, evictions, bankruptcies, chargeoffs, collections, garnishments, etc.

I've seen a lot of bad excel templates online...

I do tend to be someone who ask questions and only wants to hear what they want to hear, but at the same time if it's a bad idea.

Does this mean section 8 is bad, NO, but this can happen in any city or state.

i.e. longer than normal vacancy, bad tenant screening, poor maintenance, skipped rent payments, etc.There could be a handful of reasons why it lost it's ability to cash flow.