If you keep massaging the ideas the right path will show itself.

To get down to a 10% down payment you are going to have to bring prior HUD statements and experience to the table.

Go for: that Beautiful 200 gal Saltwater fish tank in the foyer, as is, ALL fish staythat 1968 396 SS Camaro sitting in the garage that the seller never drivesthat Harley Davison motorcycle in the garage that the seller's wife hatesthat 25 foot Key West bay boat  those 2 new Kayaks on the dockthose 2 new Jet Skies on the liftsthe new John Deer tractor in the barn   that awesome TV and surround sound systemthe leather furniturethe dinning room table, chairs and chandelierthe office furniture the master bedroom set  the pool furniture etc. 

Both of these people working are paid cash under the table and not big insured entities.

Both of these people working are paid cash under the table and not big insured entities.

I’m assuming you are seeing potential cash left on the table with this property?

What's the best way to leverage this without putting my cash on the table?

. 😂 Maybe you could be priced 5% under fair market.   10% you leaving too much on the table. 

There is a small backyard with a cemented area where you can set picnic tables, and the cement needs to be replaced.

The property was STILL positive cash flowing by about $400 a month, but I decided to take the 100k off the table.