It's difficult to secure a real estate loan if if you a lack of credit history.

Does anyone have any experience with receiving any grant funding, whether be it government or private sector?

.- Im thinking of not charging security deposit because of all the strict MA laws and just using the last months rent as a sort of security deposit, thoughts?

Including this income could strengthen your application and increase your chances of securing a lower rate.

Most lenders are fine with just seeing a signed lease and receipt of the first month's rent with security deposit, so the tenant doesn't need to actually be moved in yet. or 80% though it will certainly make the process smoother if you have a tenant lined up.

I've been a silversmith for seventeen years but am really wanting a life and career shift that offers additional fulfillment and financial security.... no built-in retirement plans for us artists!

They use their own funds as well as secured loans on their credit through other Hard Money Lender's to help make the deals happen.  

Once the plan has invested into assets like real estate or securities, that value is no longer covered by FDIC. 

This will also help me gain the necessary experience to secure a co-hosting position in the future.

The previous landlord held first, last, and security which I was credited at closing.