@Juliann Morala Yep, a buyers agent that works exclusively with investors will have all the info you need and lots of options on contractors, lenders, attorneys, inspectors, property managers.

Also, after a year, the mortgage hasn't been paid down by much, especially if it's a 30 year mortgage.The only challenge you may run into is if you purchased it using a low or no money down mortgage option like FHA or VA lending.

Rochester NY has a plethora of options under 250k.  

Come to think of it, though, I can't imagine why they wouldn't let me perform one just to understand how much I can offer.  

Hope this helps to clarify what the RTR Academy offers for anyone interested!

Otherwise, I recommend option two, using a personal loan.

Being that rates are up it's another way to offer exatly what you mentioned; the chance to own for a couple hundred bucks more than renting.Thoughts?

I'm an investor and mortgage broker and have options for loans that go as low as $75,000 and down payments as low as 15%, which makes it easier to stay above $75,000.

From a liability perspective I am anti-glass tops ever since, there way too many other options.

With countless loan options, complex terms, and strict lending criteria, it’s easy to feel overwhelmed.