Most non-FHA loans will require at least 15% down but you'll have to have amazing credit.

And your point about a lingering HM loan makes sense.

We likely need to look for local lender that is keeping loan in house.  

Quote from @Daron Williams: I just invested in a tax deed here in texas it was a beautiful lot right on lake sam rayburn. i have it on the market for sale the only problem is you have to have two lots to build on.. i found the person that owns the lot to the right of me and there willing to possibly sale there lot the only problem is i dont have the money or the credit  to purchase it.

Hey Aishan, I personally own 12-doors in Detroit and I live in California.

I’m not convinced it makes a real difference unless a person has a unique setting.

Example: If you take out a loan for 7% you would want to make more than 7% to make it worth it, and probably significantly more.

For example, if your house is worth $500,000 and you still owe $200,000 on your home loan, you have $300,000 in equity.

If you do decide to do mailer(s), then I would advise you to personalize the card and do a handwritten note. 

The title company will handle clearing the title but won’t manage personal agreements.