I can stretch out and put 15% down but 20% is out of my range.

@Eric DeVitoDo your homework (a lot, but the return will be much better than a letter grade if you do well), be conservative in the sense of building a reserve, and do not stretch yourself too thin.You wanted a story?

Yet we get lower taxes, lower cost of living, landlord friendly laws (15 day evictions), and lower home values so you’re dollar stretches more. 

It continues to stretch me to my limits each and every day - and I'm a better person because of it.

I agree with Andrew on this one - achieving all three of these is going to be a stretch unless you go conventional - most nontraditional lenders will need to compensate for the prepayment penalty by raising the rate or lowering leverage.

So yes, the trustee controls the security instruments final outcome but the dirt itself was deeded away and the fraudulent conveyance thing is a stretch in the real world because presumably there was no fraud.I agree in principal with what you're saying but it's not with a wave of a wand  this mans deed can be rendered null and void because some guy filed BK.

So that could be stretching you super thin and potentially result in negative cashflow for the next few years. 

I know it's a stretch, but just curious, and wondering how everyone protects themselves. 

It's not a huge stretch for someone to forge one up, particularly with bad data to make it hard for you to actually verify all the info in it.

I received a construction loan for 309k which was an in house loan for this local bank that said they "stretched" the loan for us just in case.