That would be 60k down which isn't much more than the capital you have to bring now and you will shave off that PMI. 

And very often if you mention to each that you're also talking to another institution, they can shave a little off the rate.For the thing you did to remove collections, I'd check your report on all the bureaus as it's possible it was only removed from one and you may need to take additional action to remove it from the others.Note that for the bank or a mortgage broker to pull your credit, there's often a small fee, like $25-50.

C+/B I find to be the easiest market and allows you to choose the cream of the crop simply by setting above average screening standards.

But then again, shaving a few bps off of commission on a $5M deal has a bit more of an impact.

And while they were responsive, our investors were getting creamed on pricing for tenant turns. 

@David Pham I actually think that's a Florida soft-serve ice cream.

also with max leverage you have minimum income.. with cash in low end properties you have max income with no risk of debt.. you can weather the storm.. real estate is a long game.. those that get over leveraged with max debt are the first to crumble when things don't go right.. and believe me your fico is very important long term to scaling as well.the number one failure in the business world is companies that are undercapitalized.. and in my opinion if you don't really have any capital and cash backing you have no business buying real estate and especially owner financed. since your putting the seller in jeopardy they are usually not to aware of the consequences.. and to get a seller to go out and put a loan in there name then you wrap that loan or take it sub too and you have no real cash you can see who loses in that scenario its the poor seller and now there credit gets creamed if they don't have the ability to make payments on a house they do not own anymore.. 

Also, ice cream.

@Kevin Chan timing is certainly important, and being able to ride the growth wave is a huge cherry on top (if not a whole extra scoop of ice cream).

Females each need a full bathroom it seems lol get em a big screen set on the lifetime channel and a bucket of ice cream and they are happy