There are pros and cons to using DPA with your average conv/fha loans ( yes this is how you arrive at 0% down or 100% CLTV or combined loan to value financing).Conv and FHA lend up to 95-97% so that remaining 3-5% down is covered or partly covered by the remaining local DPA programs.

This is a combination of the all time worst rent to purchase cost ratio and interest rates that are near the high for this century.   

And when people get tunnel vision for lowest $ down, they tend to not give attention to the revenue generation of it, the operations, and that's a VERY dangerous combination of high leverage and not so-good revenue. 

It's funny that over time usually people fall into the latter; or some combination.

We found this home through a combination of online tools and personal exploration in the area.

We found this home through a combination of online tools and personal exploration in the area.

In the case of a damaged roof, replacement cost insurance would pay for a new roof, regardless of its age.The right combination of coverage and policy type can safeguard your home and investments from costly surprises.

You take all of the inconsistencies from the previous thread, combined with this 2nd BiggerPockets profile utilizing his real name and claiming a massive years of experience discrepancy.

Unless you bought RE a few years ago, created equity via successful BRRRR, flip, or do a combination you're just playing the appreciation game. 

Quote from @Tim Johnson: Has anyone seen an example of a lender combining debt with equity on a real estate deal?