I follow a program that teaches how to maximize points and buy discount travel.

Buy now and I will give you both for $135, a 10% discount.  

The house I am looking at is a private sale from an older family friend moving into senior living (discounted).

. - Forced Apperception (BRRRR or buying at a discount) is also a hedge against corrections.

If the amount paid to purchase an existing note is below the principal balance or more correctly, the unpaid balance, the investor will benefit from an early payoff to the tune of the discount.  

Yes, I am in Lisbon and my perspective is optimistic.I think that 2020 will be quite solid due to all the supports and subsidies from banks and government. 2021 will give some discounts and Christmas 2021 will be the turning point for RE to grow up again

My thoughts are that if it’s in good enough shape I can sell to a consumer buying with a mortgage company or if needs work sell to an investor for a discount to make a profit.

Option 2 with second lender is, get an FHA loan at 3.5% and use the concession to buy discount points and bring a 6.2% interest rate down to a 5.4% permanent buy down, putting me at around $3,450.00 monthly PITI and also adding 8k to the top of the loan for mortgage insurance.

Because I had already purchased  the house building courses I got a nice  discount  on thw course I wanted. 

That way you can still get an additional discount, you have them do the work so no liabilities, and you shouldn't have to worry about those fees.