The downpayment is good but the interest is to low.

I usually have very low turnover so I was hoping to organically grow my presence and name brand so that I had more visibility in the marketplace.

We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

OKC has alot of opportunity mainly because of its low level of enforcement of housing codes, strong landlord laws and conservative judges in eviction court.

I have heard about low cost granite / stone, i just don't know where to get it. 

BUT The points they charge and interest are both way higher than normal, on some deals I ran numbers the points and interest were going to be 20k on properties where the ARV is 100k so you have to get properties at such a low price to make it work that it is so hard.

Using the appropriate amount of lights and mirrors is a pretty low-cost way to really make the space feel custom.Unique tile installation patterns such as vertical stacked or herringbone.

That’s why you get a discounted interest rate and a lower downpayment, because owne occupant properties are low risk. 

Risk entails everything from lawsuits to lack of diversity in investments to low rates of return to high exposure to vacancy (more units theoretically lowers vacancy exposure).

The outcome was a beautifully furnished home in a prime location with a low mortgage that generates consistent cash flow.