You can also use FHA with 3.5% down as well although may be harder to win in a more competitive market.

Here’s some advice to help you get started on the right foot in the Austin market:Understand the Market: Austin is a dynamic and competitive market with a mix of tech-driven professionals, students, and long-term residents.

@Anne Christensen I am not finding them to cash flow unless you are finding a really heavy value add where you can be all in for 65% of ARV.

Your next real estate competition might not be Black Rock or Bezos...it could be coming from the family of the friends you grew up with. 

Sheriff sales are unpredictable if the house is a tear-down then you should not encounter heavy bidding.

So one way to change incomes is ERASE foreign nations competitive advantage in sectors, better known as TERIFFS.

Ohio is a very hot market right now with a lot of upcoming growth and when buying real estate with cash, I like to focus on heavy cash flow markets. 

Developers usually have expensive bridge debt on their construction projects, and a heavy incentive to deliver their inventory as rapidly as possible.

It's a great way to reduce your costs and is a clear competitive advantage in sourcing opportunities.

My Nephew is a student at University of Utah and a competitive climber, and he has a lot of climbing friends that would live with him.- Buy a house / 4 plex, take one of the rooms / units, and rent out the rest- Family can just come and stay with the Nephew when needed. - Build out the equity on the house while living at reduced price (hopefully) due to charged rent.