Upstate New York will generally qualify with standard markets such as Travelers, Nationwide etc... there are a few other property programs that do very well depending on the size.

Are they using an SD Replacement Program of some type?

We ARE a chapter of National REIA, so joining gets the paint discount, cabinet program, and rebate - as well as access to all the other national vendor perks and programs.We're in process of getting local vendors and sponsors lined up as we move forward.Starting in September, meetings will take place in the evening on the 3rd Thursday of each month, 5-9pm, food and non-alcoholic refreshments provided (buy your own booze). 

I have looked into many wholesaling programs and they want anywhere from 5k-20K.

Hi Megha,The short answer to your question - yes, there are DSCR loan programs that offer no prepayment penalty.

--Central Valley Regional Center has a well regarded cardiac program and several other hospitals in the area.  

I was actually a student at the university there not too long ago, part of the wine program.

Can someone post web links to the web sites or at least spell out the full name of ESS?

Any lenders have a program that would lend the gap with an acceptable downpayment?

They might know programs that can help fill the gaps!