Hello, I'm Anthony. I am new to Bigger Pockets and the amazing world of real estate investing.Over the last month, I have been ingesting everything real estate through a fire hose.  No joke.  I stopped watching TV and...

They picked these two for good reasons - good enough to make a larger investment.

Capacity is do they have any money.. and Credit good enough to show they can handle their finances..

I was looking at some properties more around where I live (Portland, OR) but was having a hard time finding properties that would cash flow nicely, and that were in good enough condition.

But if I was able to get a good enough deal on the house I would be able to get an LTV on ARV and then once I refinance I can possibly have enough to cover rehab costs and dp too? 

We are busy with good enough incomes that we didn't need to over-optimize, but these are still great investments either way.

There a lot of things you can try.Partner up with a seasoned investor who can front the down paymentFind a hard money lenderWait and save up the 20%Pull equity out of your current house as down paymentTake loans from retirement savings and use as down paymentPull together a good enough deal that the bank bends its lending criteriaFind properties that a bank already holds and is willing to finance for youFind owner financed housesGet a part time job to save up the 20%There are many other creative ways to make deals happen.

If you know anyone (through your local real estate investor club or something) that has larger properties, ask them where they get loans.Maybe post the details of the deal on BP to get some feedback on whether it's a good enough deal to pursue before you go to all this trouble :)

If you are uncomfortable with the dog, i think that is a good enough reason so kick her out. 

Sounds good but that was a hefty down payment on your home, but whatever.Didn't mention credit standing, I assume it's good enough as you just bought one.As to financing, you begin having problems getting loans below 50K and at 75% LTV you'd be buying at 66,670, say 67ish and up.I'd suggest you speak to your lender again about future financing, terms and what they can offer.