With your income, you may qualify for an FHA loan with a smaller down payment, but buying now could limit your borrowing power and increase monthly payments.

I’m in a similar situation but plan to meter water and power with my own units that can be read.

They are both the same value.The power of the equity is the PV it buys. 

Partnerships are gold too; I’ve seen deals where one person brings the money, the other handles the work, and they split the profits.Company hacking is a bit more advanced—getting added to an LLC that owns the property, improving it, then refinancing to pay the seller out—but it can be powerful if you and the seller trust each other.

Congress is abdicating their power because they do not have the votes to do the things that trump is doing by executive order that are not in his power to lawfully do. 

Never underestimate the power or preparation and setting yourself up for future success! 

Adding mass to the walls works wonders—attach Mass Loaded Vinyl (MLV) to the shared wall, then cover it with a layer of 5/8” drywall using Green Glue soundproofing compound for extra noise-blocking power.

One of the most powerful things about Pace is that his approach isn’t just about mentorship—it's about community.

"Big" government refers to powers, not level.

Water, power (no gas) are billed directly from the utilities company.