It's a balancing act where we guide our clients as best we can but ultimately they make the final decision.  

ThanksWith Tax Liens I can achieve a 16% on average.

I'd love to hear about what happens and it's always great for the community to see someone grow and plan and then achieve their goals!

I would just use their deposit and bill them for the balance.

This is especially true when the lender plans to balance sheet the loan (like many credit unions do).

If I stuck with the original mindset, it would have taken me at least 10-15 years of investing and still working W2 to achieve a meaningful return that I could live on.

Or, I can "overpay" and pay 410k to obtain the house sub2 with a 2.5 interest rate, and finance the entire 410k balance, and still only pay $1,620 per month. 

However if I do a BRRRR I can achieve infinite return by extracting all of my investment.

However, once I committed to it and viewed it as a business, I was able to achieve FIRE after a couple of years of hustle.

Heres some common structures:5-4-3-2-1 - Stepdown (5%,4%,3%,2%,1%)Flat PPP - 5 year PPP and there is a 5% hit in fees at any point in time within the 60monthsAbbreviated PPP - 6 months of interest payments on 80% of the balance at closing.It's all different... just shop it out and choose a dscr broker who has the knowledge to help you make an educated decision.