.- Distinguishably & Scarcity: One challenge (and opportunity) of investing in Oregon is healthy and happy properties.

Or young whippersnapper with healthy income. 

Theoretically a DSCR HELOC and DSCR multi family purchase could be coordinated with little to now hard capital out of pocket to the client as most lenders allow down payment funds from cash out against other properties.The mortgage market is extremely healthy and well capitalized for the moment.

I've been able to get a healthy combination of both cashflow and appreciation from all my properties after a little TLC.

Surprisingly they have all gone up a healthy percentage since I bought.

I've seen some pretty healthy asking prices for land where all entitlements were obtained & approved.Also, I do understand that there's a cost paid to the geotech, architect & city prior to approvals.But...

A growing population indicates a healthy real estate market with potential for appreciation.2) Waterfront Properties: Cape Coral is a waterfront community with over 400 miles of navigable canals.

@Golan Corshidi if your W2 is providing a healthy surplus, you can be a bit more tolerant and "loose" a couple hundred bucks for a year one or two - if you are in a desirable neighborhood.1.)

Assuming the credit is healthy you may be able to go up to 85% loan to value. 

It's your first property, you may hold it, you will probably sell it, find a healthy balance there.