If you purchase over that limit, you just put 25% of the difference down.  

Quote from @Simon Girmay: Hi Everyone,New to investing as I don't have any properties under my belt yet, but the goal is to have something by the middle of 2025.

Hi Kin,Transferring your share of the property to your brother may have tax implications, including gift tax if the transfer is considered a gift.

A few times our door knocker team doubles as "movers" litterally.- You will have to come out of pocket for the arears, fees etc, just to get into "contract" some times $20k or more and all you have as protection is the word of someone who's proven to be unreliable and a signed piece of paper... 

Would you try and steer the lender towards considering comps for individual townhomes?  

My focus is simple: helping out-of-state investors like you unlock the full potential of the Birmingham market.

If I could just ask one more question, i have a separate account with no co mingling of funds.

Never put all your eggs in one basketread the PPM and documents and have an attorney review understand what your investing in, fees and hold Timeunderatand their track record a lot more to consider those are just a few 

But it also means you have virtually zero bargaining power as the seller can reuse any and all repairs and just keep your 6 months of rent as a bonus. 

Just seeing this.