I have a co signer and now looking to find the best bank or credit union.

I'm also an agent, so I stand to make a co-broke here.

If it appraises at $ 500K and you get get 80 % Loan ( $ 400K ) -- you pay off $ 320K - so you get only $ 80K minus closing costs -  some times closing costs can be added to the loan.yes - you will still have $100K equity but not cash in hand.C   You need to get vacant unit rented out -- increase rent by 3 % or 5 % on all units and increase cash flow-   wait two or three years then refinance - value may be $ 550Kand get more cash out --- D   If cash flow is good - you can also get a Co Signor  or private Investors - likedoctor or lawyer from your area - as silent partner - and some abnks may do 100% cash out loan --  you have to give up some equity to partner ..also I suggest let the partner have all the  tax write off -- have a good CPA --

I found a co-signer and I'll be paying him 3,000 as a favor. 

@Julie VerardiYou can do a co-tenant lease addendum for the adult child if they are living there, versus just visiting while school is on break.

@Mary Joe the Board of Managers (or Board of Directors if you are at a co-op) does have insurance against lawsuits, which they are required to have.

@Calene LambertThat individual will have to find a co-borrower. 

I'm looking to help a co worker minimize her losses.She currently lives in the Springfield, MA are and is planning to move to SC in the next 6 months.

I have recently obtained a Co-Op job and want to take these months while I am working to put in the research needed to become effective at real estate investment.

I live in a college town and have rental which attract college students,  I get there parents as a co-signer, which helps if the landlord starts calling there parents because of the cops getting called or for damages, late rent, etc.