I mention this as I have seen some people want to sue companies because they were a sponsored affiliate on a website…Regarding the original post- expect 10-12% (I think latest I saw is avg is 11.5%) rate plus atleast one point for a 12 month loan.Bigger companies may take longer for approval and can be more flexible usually in down payment amounts.

I know them well, I like them, and I trust them.My wife and I have purchased a wide range assets from PPR.  

It doesn't sound like any of this discouraged you, and I trust that things will get better!

Do you mean a down payment on a property??

That being said, it's very difficult to get rents to even cover PITI payments at 80% loan-to-value in Utah these days. 

Bring in a trusted contractor : to assess the current property and how much will it cost to get everything up to code (if any)... 5.

If rates drop in the future, refinancing again could lower your payment, but it’s good to make sure the numbers work now just in case.

I can’t say I came up with the idea, I saw a landlord with more units than I have post that they offered the holiday discount, bug only to their tenants who had made all their rent payments on time and in full over the course of the year.

The downside is they usually come with higher interest rates and shorter loan terms.Partnerships or Co-signers: If your husband or a trusted partner has U.S. legal status and credit history, they might be able to co-sign or help with financing.Cash Purchases: Since you have savings in Canada, you might consider using that for your first property, especially for a smaller rehab project.Foreign National Loans: Some lenders specialize in providing loans for foreign nationals.

You can leverage your HELOC and cash to cover the down payment, the initial rehab draws, and holding costs.