Check with your lender to make sure you heard it correctly. 

Alternatively, I could explore hard money lenders.

Quote from @Bruce Woodruff: Quote from @Jonathan Greene: Quote from @Bruce Woodruff: I think that this BP forum takes on that deal-killer function very well......at least it can if/when investors take the time to post their questions and concerns.It should, but because some (not all) investors are fragile about criticism or prefer an echo chamber, it often falls into a back-and-forth where we are trying to help on our own time, and they are rejecting it and calling us naysayers.

And real lenders don’t troll for business by texting.

Thankfully the lender talked me in to a 24 month term as it took us the entire 2 years!

Its great that the seller is will to carry a note in a seller 2nd as well, that will help reduce your require monthly payment with the right lenders.

I am looking into the lender info.  

Quote from @Patricia Steiner: There are several lenders who offer low/no closing cost options for first time homebuyers.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Quote from @Chris Seveney: Over the past quarter, I have seen around $1B in defaulted fix and flip loans - many of these from new lenders since 2020 and more of a "tech platform".As we all know, the intersection of tech and real estate investing has brought incredible innovation, especially in hard money lending.