I dont want to do hard money but I think I can find a middle ground. - Wish I had a magic bullet for ya.

I'm relatively new to real estate so I'm hoping you can offer some useful insight.Applicant 1: Excellent credit, low debt-to-income ratio, upper-middle-class income, very little available cash in bank account (cash is mostly in stock and retirement accounts)Applicant 2: Mediocre credit, better-than-average debt-to-income ratio, middle-class income, enough cash available to almost buy home outright.

I think someone can learn at a much faster pace and be much more prepared.

We’re all familiar with markets that have become so expensive to live that even middle income earners are priced out.

When I called back with final negotiated numbers and had it under contract, they said my score came back 725 (middle of the 3 scores) and they now want to add $2000 in closing fees to get me at 5.75 OR they may be able to do the loan with 30% down but they would have to look into it.

I've listened to probably 15+ podcasts in the last few days and I'm currently in the middle of Josh and Brandons new "How to invest in real estate: the ultimate begginers guide to getting started".

The contract we used is AIA Document A105 - 2017.It’s now the middle of November.

When they give you a rent range, understand that a single family home is on the low end of that range, a townhome is in the middle, and an apartment is on the top end of the range.  

Fast forward 3 years... we’ve both built our credit, bought our primary residence, have two kids with a third on the way, solid middle class jobs, and some consumer debt.We were gung-ho to get going in 2019 after bonus and tax time to get a rental property finally.

For me, I had to find a middle ground.