There are so many great local lenders you will have great options for figuring out the best loan for you - you don't *need* to put 20% down by any means, but never a bad thing to go that route if you can.

I am leaning the local route as it seems to be the most cost effective option.

I definitely recommend going that route first before spending tons on an expensive mentorship.   

I'm a San Francisco Native and went the out of state route in 2021.

@Puneet MahiIf you are going for the visa, I believe you have to go the franchise route.

As for the credit card route we also went with an AMEX card for the cash back option. 

I've head from others who went this route and had to pay before delivery which caused strain on capital because they couldn't complete draws in the same manner as stick built construction. 

Just had a call with their team the other day and they were super vague and basically told me if I knew people locally that could get me similar returns that I should go that route.

If you know a good PM that does MTRs, that's a great route to go.

Oh also number one skill to develop regardless of the route you take is being able to identify and get in contact with motivated sellers.