Obviously people can get deals done with little or no money down but as a new investor I think your time is better spent getting your financial house in order so that when you go to a bank with a deal you are coming from a position of strength.I kind of chuckle when I see folks who have poor credit scores, no money saved and are looking for advice on markets to invest in. 

You’ll want to check their credit, rental history, and criminal background.

Hopefully you have other, better qualified applicants to go with or can deny this couple on something else (credit, income) so you don't have to deal with their nonsense.

We, thankfully, had a friend of a friend connect us to a delivery person, who directly picked up flooring and delivered to us, then we worked with flooring company to get a credit back on price.Or, we did Ikea cabinets, which came with both more pieces than we ordered, and not all the pieces we ordered.  

Buyer's agent could/should also negotiate a seller credit that makes the offer $100k, with $3k credit for buyer agent compensation, again resulting in a seller net of $94k.But now buyer has the opportunity to agree with their agent that the rate should be 2%, or a flat fee of $2k, and the buyer then pockets that savings.

Obviously it takes time to reach such a low set point on a very hot day.Here's where I'm looking for advice: What is the lowest reasonable temperature to set the thermostat in the dead of the summer?

I have another property under a management company which will probably put them through a credit check/background check.

I bought in at the lowest tier after avoiding my friend for a few years.

I have a client that has had a rough past two years (a credit score under 500 and they're a 1099 with inconsistent income history).

If yes, do I need extra credit for the market rents to meet DSCR requirements?