(Nice name by the way :)You have a really good problem right now, it seems like you got a killer deal set if you want to take it, or you could simply wholesale and collect a handsome assignment fee.

The returns that you see on MF is so much more handsome.

Sounds more like you are buying from a flipper that may know a property manager and is putting you two together and getting paid handsomely for that.

I mean I want to offer no money down, (and no cash), but then switching to offering 5% down to alleviate their worryAnother way of doing this I thought is that I could offer a handsome interest rate, like 8%, but in return I want only 5% down (and then for my own sale I could ensure there's no prepayment penalty just in case I want to pay it off/sell it in the future)

Let her borrow from someone else or pay you handsomely if she uses you to float her rent.

On the other hand some cities might not like that because utlities and addresses feed into the emergency and 911 system and reallocating those is a headache for some localities

Every time I hand some one a card it's like they think I'm rich or something.

Although I once bought a first for 75% but that was because I knew that the homeowner wanted to refinance his 11% mortgage, and I knew that the note holder really thought the guy wouldn't qualify and wanted the money worse than they wanted to wait.Since I had the financials on the first mortgage and a lender had already said he could get the guy a 9% first I helped the guy get the loan by taking a 2nd for $5K in closing costs and cash back at 15% for 6 years.I made a handsome $28,400 in about 60 days and then put $5K back on the street @15%.

Real estate has been a great investment for us, as the rents on our Williamsburg house pay all expenses in addition to paying us a handsome profit.We're almost in contract for the new house in Bushwick, which is near the Halsey J train.

"If Cash is king, then leverage is god." http://www.biggerpockets.com/blogs/4579/blog_posts/32645-if-ca-h-is-king-then-leverage-is-god---loans-cash-roe-roi-and-risk Regarding "speculating" on appreciation, I wrote some different questions about this "speculation" on a 2.5% cap rate posting, but on the other hand, some places in the interior of the country haven't appreciated for decades - while those in the Bay have tacked on an extra 5-15% ROI per year from appreciation, with about 3-4X leverage.