I think it’s better to rent, but if you’re fixed on buying, I think getting roommates in a townhouse would be the best bet.

That's a rough story with your GC I bet that's a common story.

You’re betting on appreciation and choosing to lose money monthly (rather than increasing a down payment) to make that educated guess and keep capital in the bank.

@Tony C. remember the advice: "Don't bet long term with short term money." 

Your better bet is with the income from the business and adding back any depreciation expense you are claiming. 

I bet if you buy multiple, either company would give you a small break on them.

I bet you'll be able to connect with someone willing to do a JV (joint venture) with you or at least offer "softer" hard money to get you going!

He's finding more properties than I can get qualified to purchase.If you're looking for commercial (5+ units) @Nathan Holsather is a good bet as well.If you're looking for someone who does value-add residential, @Jordan Moorhead is both a rehabber and an agent.

Being from NJ, I can try to help you determine the area stats.Also, from personal stand point, as an MFH investor, I don't like to bet on appreciation.

Would a HML be my best bet on this property .......... as i may have a better chance for being approved to do most of the repairs , as well as Having the best chance of getting a loan for the property?