FHA gets a bad rap because sellers and many agents think it's only for people who don't have the money so if I had 20 percent, but wanted to use FHA, I would present a proof of funds with my offer showing I have more money, but am using the FHA as a financial option so I can get an investment property as well somewhere else.

She has never read a book on real estate, listen to a podcast, made a post on Bigger Pockets, or initiated going to a training.

I think you’re under a misconception that’s leading you to think you have options you don’t…You say it’s worth $1.1M and you’d net $500k.

These are the options we are trying to decide between… thank you in advance!

@Joe PaaschWelcome to Bigger Pockets.

The better option would be depending on your priorities.

I Hope with this new perspective perhaps some new options have opened up for you! 

Cleveland is another solid option.

@James Tobin  yes FHA will be a very low downpayment option for you.

Listening to one bigger pockets episode or a good book here and there really can be a good reminder, refresher on the financial journey.