You may be able to secure higher leverage financing through alternative lenders than a traditional bank (not always the case) and this may help advance your objective of reducing the down payment/cash requirement but that may only be temporary relief as you will likely pay more over the course of the loan because of higher rates and fees.

@Douglas Alexander, best advice is to mind your numbers and don't fall in love with a particular piece of real estate.People get emotional over homes...

This AI solution is much more profitable than traditional marketing channels like PPC and SEO, and it feels like having a virtual assistant that never stops working, ensuring we don’t miss any potential leads.The system is capable of having natural, engaging conversations with real estate agents, helping us secure deals such as seller financing, subject-to agreements, and cash offers.

I apply their security deposit first ($1,500) and then charge them for the remaining $2,500 owed.

It is an emotional thing.

Readers should seek professional advice.I believe the Note creates liability for the loan, the mortgage creates a lien on the real property that secures the debt. 

Making an emotional purchase decision on an investment property and ignoring the numbers. 

Securing financing for a property without current income can be challenging, but there are specialized lenders who focus on the asset's potential rather than its existing cash flow. 

I have had a fair amount of recent success because I offer a pretty high rate of 11% secured by note and deed of trust on my houses in va and nc  but want to hear other peoples success stories besides local meetups.

This strategy allowed me to secure more favorable terms while maintaining consistent cash flow from the property.