I did a 20% down conventional, but was not easy as it my 3rd property.

.), and anything else that is important to them.Ask follow-up questions to dig deeper and learn more (without being too intrusive) then jot down any relevant notes so that you can reference them down the line during your follow-up calls.

I’m looking to invest out of my home state, Texas, and have narrowed it down to 3 markets.

She put a portion of the down payment (15K)...and of course there is a little equity...

You want to buy real estate with no savings, which even if you can scrape together a 10-20% down payment, means you will have no cushion to fall back on when the inevitable surprise expense happens. 

It’s paid off, I would “like” to leave it that way & maximize the cash flow while paying down the heloc between the rental & other income.  

It needs to be discussed in forums like this and shut Gro Capitus down.  

At $1M let's say you can do zero down to 20% or more down. 

The only interpretation of what the Federal Reserve Bank (the head bank) is saying, is that "banks credit depositor accounts and lend the deposits".

If it were me as a seller the over asking price ok and down payment but I would make you pay interest only at 8-9% for a year or two with a balloon.