Planning to purchase in Phx,Az and surrounding areas, my equifax score is 700, experian 645,no debt whatsoever, have 1099 for 2022 and 2023 (required 2yrs), on my 1099s it says i make 135k per year, do not have tax returns (yea, yea), im planning to first start with my bank wells fargo.This would be my first home and at 1st plan to live in it, possible house hack, going for a -$300k loan. should i go traditional, fha , i plan to be on a fixed rate so I dont get surprises later on.In my situation, what down payment amount do you think will be needed .

I like investing in my own backyard, which is Sacramento and surrounding areas.

If 1 out of 100 people is approached with this same option, and only one of them says they were highly successful at the option you are dismissing as "cheerleading", guess which one I'm following.The majority isn't always right, they're usually just the timid, and feel justified because they are surrounded by others just as timid.

Absolutely devastating to see how much destruction it's caused to Asheville and surrounding mountain communities.One thing I will say for certain, communities down here really know how to take care of each other.

Message me on BP and we can set something up.Original BP post (check it out to see how much of a dream this was for me 9 months ago): https://www.biggerpockets.com/forums/55/topics/1162005-first...Best, RyanOn a side note, if anyone's looking for a young, motivated, and incredibly knowledgeable agent in Grand Rapids and the surrounding areas, let me know and I'd be happy to connect you. 

No one is missing opportunity with the land bank properties, it is just surrounded with red tape and corruption.

I'm looking to connect and surround myself with locals who enjoy sharing their knowledge and experiences, and remember what it's like starting out (especially if you've successfully taken this approach recently).

I try to minimize what I surround myself with so I can really enjoy my environment.

We also wholesale a bunch here and I can give you testimonials of buyers who are very happy that they have investments in Daytona and the surrounding areas.  

I handle both short and long-term investments in Myrtle Beach and the surrounding areas, including Georgetown.