Hello BP Community,I have a cash deal opportunity and I've never done a cash deal before. 

I've had a long career in community development and have a lot of bank contacts that would likely be interested in investing, but I'd need to prove the concept first with an initial fund (there are also a lot of other community development tools that could be leveraged to maximize and scale this).

Hello, BiggerPockets community!

I am just getting started in my real estate investing journey and I received an unsolicited message from Cogo Capital, a hard money lender focused on investors.

I could use some help, and likewise would love to bring business to those in the community here.1.

Quote from @Chris Pontello: Hi BP community!

Hi Marshal, welcome to the community!

The FHA rules/regs (in particular the FHA self-sufficiency test) are applied the same across all markets, and I know for a fact that in rural communities across the country, and big cities that are not particularly desirable places to live, it's not a deal-breaker, I am not commenting on those areas. 

The other thing I have done especially if we are approaching winter months is just tell the insurance company that we will have them done in spring.

To find deals in Philadelphia, focus on off-market opportunities by networking with wholesalers and local investors, attending meetups, and leveraging platforms like PropStream or MLS.