Pool heaters are expensive but necessary Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I know of one particular loan program in Columbus (I'd need to see if they service Dayton) that offers 0% down for owner-occupants.

Can this person now be "a real estate" professional? 

The 25% has to be your funds.Now, there are non conventional options that would be a bit more flexible but even most of those programs will require at least 20% down with no second mortgages filed on the property. 

What they do is basically teach how to Wholesale Commercial Properties professionally.  

I found this property through my network of local real estate professionals and direct outreach.

With these additions I got comps putting the deal's ARV around 347.The punctual, timely, and professional contractors I met gave me quotes between 90-135k for my full project.

And don’t sleep on local banks or credit unions—they sometimes offer flexible portfolio loans that could work for a deal like this.Since your wife qualifies as a first-time homebuyer, check out any state-specific programs or HUD options for down payment assistance.

This criteria is for 1-4 and 5-8 unit programs.

I have other HELOCs that were much easier to get both personally and professionally.