Quote from @Alex Thomsen: Quote from @Jason Wray: Alex,There is never a need to put that much money in earnest its usually because the seller or the builder is in a bind and need to quickly settle their debts or pay their vendors.

So my other options were to use my good credit but of course all of the loans want to use my personal credit and impact my debt-to-income.

Eliminate debt, establish a budget, and save.

I recently thought I found a great duplex but when a local agent toured the property for me, they didn't even feel safe which lead us to believe finding the right tenants would be a challenge. 

The reason I say this is to lead into the answer from your question. 

IE I suggest folks study now to filter / buy top leads for your deal type. 

Here’s the quick-and-dirty lowdown to get you started:1️⃣ Where to Look:LoopNet & Crexi: Good for commercial deals, though the best ones go fast.MLS (Multiple Listing Service): Access through a realtor for hidden gems.Auction Sites: Think Auction.com or HUD homes for distressed properties.Direct Mail Campaigns: Target landlords with older properties (especially those with code violations).2️⃣ Systems for Finding Deals (Step-by-Step):Set Your Criteria: Market, budget, unit count, rehab level.Build a Deal Funnel: Use LoopNet, Crexi, wholesalers, auctions, and brokers.Analyze Quickly: Use a property calculator to see if it cash flows.Direct Outreach: Contact sellers or property managers directly.Get Your Network Tight: Property managers, realtors, contractors—they’ll drop the best leads.3️⃣ What Makes a Good Deal:Cash Flow Positive from Day 1.Below Market Value (usually needs rehab).Upside Potential: Think rent increases, better management, or refinancing options.4️⃣ How to Become the Better/Best:Study the Market Like a Hawk.

Hello Bigger Pocket Pro Members,I'm seeking guidance on finding lead source companies.

It's a great book about how he became debt-free and started investing in house hacks.

Since you're not even sure if you want to be a landlord then take the bulk of the money and pay off any debt.