I am looking at doing an SBA loan but at their asking price it would still need over 100k. 

I'll wait and assess the situation in a few months (if it's still available).

I think everyone's situation is different, and when one crafts their buy box, they need to consider their current family and finances.For me, when I started, I wanted to buy 2-4 unit distressed properties in neighborhoods I wanted to live. 

25 inspection, 25 closing, 1 loan.

5% down federal loan How did you add value to the deal?

Not questioning your judgement/assessment, just trying to understand the situation to best advise you. 

Are there any loans out there that require less than 10% down?

Our names go on title and our loans have the real estate as collateral so they are “secured loans.”  

Loan Amount: We specify this as a percent of the purchase price.

In 2019 I purchased a Duplex in New Orleans for $219,000, I was able to refinance during Covid to a 3% interest rate. After I left NOLA, I was able to rent each side for $1,295 through a property manager taking 10%. T...