and I was just one little mortgage guy with 450 loans out.. can you imagine the banks with hundreds of thousands of loans and servicing companies.. so having mass equity or paid for keeps this from ever being an issue. then when I sold these off.. most for cash but a lot I did a 30 to 60 month ZERO interest deal on.... and boy you should have heard the cash flow cool laid drinkers..

Meeting a 20% down payment to avoid PMI seems manageable, although would take a big chunk of my liquid net worth, and I prefer this route over using an FHA loan.

Quote from @Vince Scipione: Standard would be an FHA loan for your situation more than likely.

For context, I am working on a passive investing platform with no cash-flow and emphasis on equity growth.

We bought it for $399k, and it's now worth about $650k with $250k equity.

More than likely a blend of my money and other sources.So, I'm assuming "other sources" is equity, not debt.

They look for something called "equity skimming".

If the new owner pays on the loan its not "equity skimming" from what I understand of it.

Focus on undervalued properties, prioritize high-ROI renovations, and refinance to pull equity for future deals while maintaining 20-25% equity.

When we present a Subto for investors to buy, it has to have enough meat on the bone, all said and done, that the investor will still have equity and the property will cash flow.For instance, I have one I'm working right now, that has a high entry, because the seller wants some cash out to himself, but even with that, the buyer will wind up with $50,000 in equity.