I am opening discounted retail stores which are recession resistant.3.

At 50k, it's hard to resist.

That is likely the path of least resistance and will get you better cash flow that you would get wrapping small regional bank paper that you sign for.

A more vague resistance I have to this idea is that they appear to rely solely on finding unrepresented buyers.

While it's possible to get "creative" and find ways to put down less, the path of least resistance will likely be one of these two routes for your first property.Now, I don't know your market very well, but if the types of properties you are interested in purchasing are in the ballpark of $100,000 apiece, you will either need $3,500 OR $20,000, depending on how you purchase it.  

(Sorry couldn't resist.)  

I promised my wife I would take today off but I couldn't resist seeing who responded and now she is calling me and saying we have to leave for a party in ten minutes so I better log off.Seriously though any further details and plans need to be in a less public space but maybe by laying this out someone else will see the missing piece and beat us to it.. we'll see..

It’s a shame to tear down good walls, but might be the path of least resistance

Lower income areas are more resistant to market change.

Which is the path of least resistance?