@Samuel MartinTo secure a new property deal with limited capital and potential DTI challenges, consider Home Equity Line of Credit(HELOC) or Cash-Out Refinance, partner with someone with capital or credit, explore creative financing options, use a BRRRR Strategy, reduce DTI through income boosts or portfolio loans.

Challenges?

The higher interest rates and more challenging (but not impossible!)

Challenges?

You're right that it is new, and there is not precedent (to my limited knowledge) that this has ever been challenged and succeeded in an audit.

Challenges?

If it was their program that you were challenged by, I’m sorry to hear so and I wish you the best.  

yes 100% financing is likely not going to happen. i say likely because I'm sure there is someone out there somewhere who would willing to take this on, but certainly not going to be an easy find. ground-up construction is more challenging as well, as you will need to evidence your experience w/ previous ground-up construction deals where you are on title. this is how lenders feel warm and fuzzy about lending you so far above and beyond the existing land value before anything is built on it. 

It is also a higher quality contact because you can confirm if you're actually reaching the owner.Mailers take up less of your time (aside from ordering and distributing), cost more, and are more challenging to track.I'd start with calling then add on mailers.Best times may vary but we find that we get the most people on the phone 8am-noon and 3-7pm.

Unfortunately, Realtors come in many forms, and finding one you feel comfortable with an be a challenge.