Flexibility in Loan Terms: Josh offered a unique hybrid product that let my friend lock in a portion at a fixed rate while leaving the rest variable.

Or in low volume areas, a public/private partnership with existing child care centers. 

I know I need to get a credit card and keep my utilization ratio low, but I wouldn't know much about the process of actually receiving a conventional loan from a bank or any type of loan.

If you're wondering if rates are too low, raise them a hair in advertising and see if your number of inquiries drop.

You can also try the travelling nurses route, a lot of them are looking for low cost housing when in town. 

I think your PITI estimate in both cases is low.  

You would still save more money 9 out of 10 times living with your parents but being able to leverage a low down payment loan will allow you to get a very high ROI on relatively safe investment. 

I feel I'm on the low end, but my COC return a year later is roughly 14%.

If after interest rates spiked a buyer waited for them to drop back to 7%, they would have waited 21 years til 1993 for them to get that low again.Hope he isn't holding his breath.

These two demographics are projected to be long term renters which will help keep vacancy rates low for years to come.In recent years, Pittsburgh has become a tech hub in its own right, attempting to create a dynamic job market similar to Silicon Valley.