I have taken a Dave Ramsey approach to my personal finances so have a pretty low nut.

I saw another builder local to me offering 4.99% financing. my question is how or who can offer financing like this on houses I build ? I am guessing there is either a preferred or in house lender with large amounts o...

AlabamaAlabama residents enjoy a low cost of living and a thriving economy.

The only people who succeed at birddogging are the ones who learn everything they can and know it's going to be a low-paid slog so they do the work hard and one day it changes because you have earned more.

Why pay off a low rate interest.

They are inexpensive, they usually come with mineral rights (big plus in Texas), they typically have short redemption periods, low rehab costs, and sell quickly at the right price; they also have large ROI. 

The net result is basically the same, but it keeps the two properties separate from a lenders perspective.Any low down payment money, particularly on an investment property, is going to come from a private money lender.  

This would also allow me to keep my primary at a low rate loan. 

Look for properties with low taxes, separate utilities, strong demand, and potential for rent increases.

----------------------------------------------------------------------------------------------------If I had to start all over again, I'd look to acquire a 2-4 unit property with an FHA low-down payment mortgage.