If you don't have enough money for 3.5% down, find a cheaper place to live and work hard to save up money.

@Charlotte WilsonTo clarify, as @Perry Farella pointed out, there is an upfront MIP charge but there is also a monthly mortgage insurance premium (MIP).Any time to put down less than 20%, you will have to pay monthly mortgage insurance.

So you could see about going to auctions and winning a "cheaper" bid on a property there, if you decide that's an option.

This will show you more evidence of the fees they really charge.

and they charge per door and not sure if they even offer everything that I want. 

Duplex can always add additional units via the ADU laws. 8) Related to number 1, purchasing a property with an existing ADU is cheaper than buying a property and adding an ADU.

I was wanting to charge too much and didn't see the demand shift due to an early Easter last year.I am in pricelabs daily still adjusting. 

You may be able to see if a retailer still sells the 2024 version.If you can't get the one time purchase, you would need to see if the cost is beneficial.For real estate -  Quickbooks desktop > Quickbooks online because you can set up multiple entities within quickbooks desktop and not pay an additional cost per entity that Quickbooks online would charge you.Best of luck! 

Maybe they should use Richard Wilson's model and only charge sponsors.

Thank you  The good GCs charge 20% but this does not equate to your savings because the GC will have better contacts, have namer experience coordinating contractors, be more familiar with permit process and expectations of the inspectors.