FHA gets a bad rap because sellers and many agents think it's only for people who don't have the money so if I had 20 percent, but wanted to use FHA, I would present a proof of funds with my offer showing I have more money, but am using the FHA as a financial option so I can get an investment property as well somewhere else.

It's highly unlikely to go that low again in your lifetime.

Also, how is it a fraction of a percent?

Everything I see for the northern VA area and beyond market is just so unattainable; it seems like unless you have a down payment, that is way way way more than 20 percent, there is no way to get any positive cash flow.

You might save a full percent just doing that and you have tons of money you didn’t pay in points.

Balance that versus lending the money out at 10 percent.

Christmas is a time for family, love, and creating memories that last a lifetime.

But don't let them know it.It amazes me how many of our members at MassRealEstate dot net have an Asset worth $300-500k Rent it for .5-1% of value and hardly pay attention to it, yet chase a tenth of a percent in CD rates;-)

More than 90 percent of real estate agents are out of the business in less than five years.

Caution:  Personal credit card financing is a huge risk and good luck finding 0 percent interest today.