Chick-fil-a gift cards are also good incentives haha

I am also waiting on my VA disability which will act as another source of income while allowing me to qualify for the VA loan, yet that is a wild card option.

My husband and I have had the dream to own buy-and-hold properties and flips for years now but have never made any moves towards that goal.

At this time remodels are not in the cards but i have looked at possibilities for the future.

Again, ask the questions here like you are; not people selling you this dream. 

FX, Crypto, Flipping Houses, Sub2, Gold and Silver, Rare Earth Metals, Day Trading, Bernie Madoff, Vending Machines, Car Washes, Amway, any MLM.....whatever the dream of the day is.In all of them, you can make money, you can get rich, but almost always it takes a lot of hard work, blood, sweat, tears, missed holidays, working on weekends, money, risk, stress.

Get a copy of their SS card and a W-2 (which will confirm last 4 digits). 

I would plan to put in a 5% down payment on the home.My goal with this is to buy a cheaper home first, fix it up, and roll equity from that for the next big house/goal "dream" home in the future.

Like yeah, the IRS really wants Walmart and Target gift cards over the phone in the next five minutes to cover your "unpaid" taxes.

I'm more wondering what people are paying per piece for post cards vs. envelopes.