Best bet is to try local and credit unions, possibly may have some programs for better rates.

The benefit of this is that you are not paying Hard Money rates so in long term there is a lot of savings going this route.

@ Rich NgHave you had much trouble with section 8 over the years vs. your market rate tenants ?

Did you know before it happened, that new regulations were coming regarding condominiums that now makes a large number of people both regret buying and now not being able to afford the  payments on the "great deal" they bought a while back?

The core principles in The Book on Rental Property Investing still hold up, but higher interest rates definitely change the game.

.#2 What about the best focused coaching program that covers Wholesaling.Also, is there a list where these REI coaching programs are listed and rated? 

It's a more affordable market and lower property taxes, so you may actually have a chance to cash flow.

You don't want to lose your rate on the house you are living in now unless you want to sell it so since that is an owner-occupied, you need to stay there and save up the 20 percent for the second property based on what you said.

If not, ride out the 12 months with the hard money lender.People have to make good choices and not over extend themselves just for the sake of buying something they really can't afford or that doesn't make good cash flow.

These are becoming very affordable from retailers like Home Depot and Floor and Decor, and they really set you apart from builder-grade homes!