I do know of a lender that will allow up to 80% but the pricing adjustment to exceed 75% is very harsh.

This is going to sound very harsh, but it needs to be said.

Apartment investing isn't really a good fit for those with limited capital, that's the harsh reality.    

None of my workers or contractors has a harsh word to say about me, not even the ones I "fired". 

" the point"  was me being Factious  I got the point.. and more beginners would do well to understand that even though you style might be out there and a tad harsh for the beginners your dead on.I always tell those who contact me to go sell cars for 6 months or a year.. hone your closing skills before you blow wads of money on direct mail that you put on your CC... :)as you know there are top sales people in every industry.. and to be a successful wholesaler you need uber sales skills.. you can limp through it .. but the one who can sell at the end of the day is going to be far more successful than one who has no clue that sales is a very well thought out progression to get someone to say yes. 

I hope I am not being too harsh but the numbers do not make sense to me unless there is a good value add, you are very confident of good appreciation, or you purchased it below market such that there is instant equity.Good luck

Never use harsh solvents or cleaners though.

Keep in mind that if you do not make the min payment or are late there are often harsh penalties and your zero interest rate may go away.

I apologize, I know my question is harsh and offensive but I honestly was asking myself what if they for whatever reason accidentally mailed to 995?

@Wayne Brooks That's a bit harsh!