@Marc Shin despite seeming to conflict each other, both @Jay Hurst and @Frank Pyle offer good points. #1 you can often find promotions for zero or low interest from furniture stores that you might want to consider. #2 many private/hard money lenders will consider furnishings if the deal, including the furnishings, falls into their deal box.Believe it or not, it might be easier to include the furnishings in the deal with a significantly lower down payment if there is other rehab work to be done.

We made an offer 50K above list price but still didn't get it.

Either way its good to buy end of year as most builders and sellers are offering seller credits or builder credits to use towards closing costs or to buy a rate down to help get a lower payment.Even if you wanted to buy a strater home like a 2-4 unit as a primary again you only need to put 5% down. 

When I say, you can do it on your own for free and I offer the info for free, It IS offered for free.

This could involve offering a higher interest rate in exchange for reduced upfront costs or deferring payments until a certain milestone.If building right away isn’t feasible, consider buying the lot now with the goal of paying it off over time, and save up to build when rates and budgets align.

I think having a network and accountability is super important but I would steer clear of any guru type offerings.

Midterm rentals often offer higher returns than long-term rentals, but you'll also have to manage more frequent turnovers and potential vacancies.

My priority was finding reliable mentors and peers who could help me learn the ropes, offer guidance, and even share insights about overcoming the unique challenges I was facing as a new agent and investor.Networking wasn’t easy at first.

Another downside is you loose on the advantages, of the Federal Tax Code, by not closing in the name of a LLC/ LLC taxed as an S Corp, or an S Corp.If you want to close in the name of a LLC/ LLC taxed as an S Corp, or an S Corp, Mortgage Lenders will offer you Commercial Loan Terms (25-30% down, a 15-25 year amortization, and a ballon due in 5-7 years).

And Vystar wanting the land and the construction to perm makes a lot of sense given the terms they're offering.