Get it under agreement for less than asking price and offer to bring the loan current and have them carry that loan.The way I see it is they are just getting MLS properties under agreement - the last five I looked at had been sitting on the market for more than 150 days (overpriced) because the payoff of the loan would not be satisfied at lower price point. 

I’d pay my 0% interest for a year credit card loans and 401k loans off asap then repeat.

Why not take out a loan from the equity to pay off that debt?

Quote from @Jaycee Greene: Hey Jaycee, we currently lend on several loan types: Fix & Flip up to 90% LTP, BRRRR, New Construction, Bridge Loans, & Multi-Family.For myself personally, I'm looking in the Orlando, Philadelphia, and Southern NJ markets, 1-4 units.

.~ I will most likely purchase the first home (multi-family) using a bridge-DSCR loan combo or a FHA203K (3.5-20% down). 

Then you’re going to ask her to give you a 3 year 0% loan?

We closed on the construction loan June of 2021, the permit came through Nov of 2021.

This year I may see if if I can get a construction loan to build 20-30 apartments, then refinance with an asset based lender. what markets?

I have been trying to save up money but it is not near a down payment for a traditional loan.

Plus the mortgage company probably calls the loan, and if you can't pay it off then you can lose the property.