However, between the much lower mortgage interest rate in Europe and a better tax treatment in the US, I'd choose the former.

If you do have large gains you’re allowed to combine them as mentioned above.

I also want to combine it to one $150k  30 year fixed loan instead of having two separate  $100k and $50k loans what options do I have can anyone help.I don't want to use my own money.

For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

The combination of all the above puts me shoulders above majority of the investors.

If you're able to save $50-100K per year for 14 years (when you're 40), a combination of getting solid deals, paying down debt, and having a target goal of income vs expenses, it's definitely doable.  

It is the combination of all cash plus lack of transparency and due diligence allowed to the investor that would worry me.Hope that helps.

Ultimately the pictures combined with the location are what sells it.You want to avoid HOAs at all costs.

I used a combination of Minoan and going direct to vendor to furnish our 4BR/4BA.

@Zach Denny - I agree - chances are the institutional lender won't be comfortable with an owner-financed 2nd and 100% combined loan to value.