Many don't qualify for low down payment/FHA for a variety of reasons, especially the ones sub 200K. 

This is when you buy a primary residence (1 to 4 units, the more the better) which you can usually get for a very low down payment and get the best interest rates on and then rent out other units and/or bedrooms within your unit to pay for the mortgage and other expenses.

near 0% and 0% options with DPA's exist (down payment assistance) programs.

They have their own payment platform (you could use Stripe... or GuestyPay), they have their own dynamic pricing (you could use PriceLabs... or GuestyPricing), they have their own smart locks (you could use RemoteLock... or GuestyLocks), etc. 

BRRR house hacking using 5% down loan and applying down payment to renovations forcing appreciation is tough to beat and allows you to move quickly in NJ. 

Buy the wrong property, and that property + the interest only payment on the HELOC will mean you're going backwards, not forwards.

Declining Interest Rates: When market interest rates drop, refinancing can reduce monthly payments, thus improving cash flow and enhancing the DSCR.3.

Inspection Costs - $400 Lender Fees - $1,000 Closing Costs - $2,000 Mortgage Payments - $2,500 Property Taxes - $600 Utilities - $1,000 Insurance - $200 Commissions - $4,000 Selling Closing Costs - $4,000 Home Warranty - $500 Termite Letter - $100 MLS Fees - $100 

It’s a game-changer for getting into a 2-4 unit property with low or no down payment—perfect for scaling.You’re doing all the right things—learning, networking, and making moves.

Hard money usually doesn’t fund the initial down payment but most of the foreclosures are closed using hard money loans.