A local lender has a first-time homebuyer program that offers 0% down with no PMI and $2k towards closing costs with a very competitive rate (6.025% as of 8/19/24).

With MLS, it is competitive here so I'd recommend trying to make your offer stand out amongst the others (i.e. great terms).

I don't think the Milwaukee market is that different from Cincinnati, maybe a little less competitive.

I prefer buying during this time of year as the prices are usually lower and the competition is taking a nap because they generally do not want to move in the winter. :)Also, keep in mind that rent rates are also generally lower in the "winter" months so you may not get peak rent from your current home. 

You can also use FHA with 3.5% down as well although may be harder to win in a more competitive market.

Here’s some advice to help you get started on the right foot in the Austin market:Understand the Market: Austin is a dynamic and competitive market with a mix of tech-driven professionals, students, and long-term residents.

Your next real estate competition might not be Black Rock or Bezos...it could be coming from the family of the friends you grew up with. 

So one way to change incomes is ERASE foreign nations competitive advantage in sectors, better known as TERIFFS.

It's a great way to reduce your costs and is a clear competitive advantage in sourcing opportunities.

My Nephew is a student at University of Utah and a competitive climber, and he has a lot of climbing friends that would live with him.- Buy a house / 4 plex, take one of the rooms / units, and rent out the rest- Family can just come and stay with the Nephew when needed. - Build out the equity on the house while living at reduced price (hopefully) due to charged rent.