What is your roof goes, a heating unit.... you're credit card debt could build up quick as a result of this putting yourself in a bad situation.

POF's and cash buyer and other lists notwithstanding. the free trial was 15 days, I cancelled on day 14 and they charged my card immediately AFTER my cancellation.

Sign up for their card and save another 10% or something. 

Building will not be in the cards for those prices and land opportunities right now.

That's a house of cards ready to fall down fast. 

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.

my research shows 2.99% fee with Debit or Credit card to tenant if they pay use these forms of payment.

Real Estate or ART or Jewelry or your kids baseball card collection.The principles apply to whatever you are buying. 

U know you have to live somewhere and you have to play the cards your dealt so for someone who grew up in Cupertino and lived in Palo Alto then the Napa Valley you just figure out a way..

One option is to pay down any existing debts (credit cards, car loans, etc.) to free up income capacity.