You usually can do these loans with NO points, you just need to work with a broker who has access to dozens of lenders as there are plenty of lenders that can provide these type of loans with No Points. 

Can you then advertise the land to resell to another buyer (cash) for $120k and then pay off the original seller, and pocket the $20k?

Kind of a advertisement and asking for help on how to take your business from you.What do you bring to the table?

They often have access to off-market properties which gives you less competition.

This approach allows you to have a legal presence in the country, which is often necessary for investing there if you don’t live in Spain.Having a virtual office in Spain through your LLC could help you access local tax benefits and deductions, such as expenses for mortgage interest, repairs, and insurance, which non-residents typically cannot claim.It’s worth consulting with a tax or legal advisor familiar with both the US and Spanish systems to ensure compliance and take full advantage of this option.

It's a huge investment for you - you definitely should have direct access to the PM.

The HML covered 100% of the $32,500 rehab budget through drawbacks.Refinance: Post-rehab, I refinanced into a primary mortgage, creating 25.5% equity in the property.Future Financing: I plan to leverage the property with a HELOC to access up to $86,000 in capital for future deals.

Otherwise, get a HELOC to access the equity to buy a home in AZ.

So, why is McDonalds still spending billions on advertising?

But the road crosses 3 other properties for which there is no legal access.