That's sort of the catch, the larger the building and the more amenities it has, the more rules you will run into. 2-3 story walk-ups in nice neighborhoods could be a good place to start, lower HOA fees too.  

A lower d class area.

Running my numbers it gave me a much lower number but I still reached out and I was told that my number can't be worked out.My story continues, I am currently working in a flip that I got for another wholesaler, but first that same deal was with a New Western agent.

After you do 5 of the same upgrade package you might be able to lower that buffer down to 20-30%. 

Racine is entrenched with some lower socio-economic issues. 

However, most new investors make a much lower return and could be upside-down for a long time.Cashing out equity to invest presented much less risk when mortgage rates were 3% and properties were producing better returns.For a green investor, borrowing money so you can borrow money is high-risk.

You might even be paying lower real estate taxes if the county records only have you down as 2 bedrooms and you actually have three.

@William JohnnyInvesting in single-family homes (SFHs) and small multifamily properties in Philadelphia offers advantages such as more inventory, easier financing, a larger buyer pool, less management, and lower cash flow.

If you are trying to find an immediate tenant, you might want to lower your rent for a fixed short term and start advertising for a future higher priced rental and target an audience who know their schedule that far in advance and are willing to pay top dollar.

When adjusting your terms are you mainly just lowering purchase price?