Adjust them and make them just barely attainable.

Becoming financially free wasn’t a measured goal I took intentional daily steps to attain (it wasn’t a spreadsheet building and tracking kind of thing); it was deeper than that.

This is what I shoot for, though seldom attain, and it plays a big role in whether I will flip a property or hold.  

I understand that HML should be fairly easy to attain but it seems like some of the requirements that are asked of are somewhat the same as traditional lenders on some of the requirements. 

Going all in for $100K might be a bit low, but I'd think $125K is attainable. 

There is a really good biggerpockets episode with even holiday that went into some good details about attainable housing.Here is the link to the episode:https://www.biggerpockets.com/...

The markets I'm in (and feel like I'm successful in), these numbers are very difficult to attain - specifically when you get about $150,000 purchase price. 

Would this then fall under creative financing or its more on just attaining capital without really having capital?

Is 1.5%+ attainable for higher value properties?

Once the economy started to slow, I decided to get out of small business (was gouging me dry) and jump into my next passion of Real Estate.I moved to Colorado and now I'm on the path of getting my RE Broker License as well as attending University of Denver to acquire my BA in Real Estate Development.My main priority on this forum is to learn, share information, and help others attain a lifetime of wealth & purpose through their real estate goals.I'm hoping to meet like minded brokers, lenders, title companies, developers, property managers, & investors that believe the most important aspect of this business is providing more value to others than you receive.Without people, we'd never have any business or a fruitful life.Let's get to building a better future.R.