I know your question was in regards to conventional, but there are several other avenues with various requirements that could enable you to get a loan with down payment <5%.

From giving land to a University (to enable the University to build it's own housing and bring so much competition that you are chopping prices so low you cannot sustain).

Tools like Mailchimp, Constant Contact, and Sendinblue can help businesses create and manage email campaigns.Sales enablement tools: Sales enablement tools can help sales teams be more productive and effective.

The use of technology available to all of us enables remote service.

They know they play to win, so they rest as is needed to enable that.Finally, the solider trains and rests in a way to build the skills necessary to thrive during wartime. 

Brookfield’s new fund, for example, purchased the two-thirds stake in mall giant GGP Inc. that Brookfield didn’t already own.Brookfield’s scale enables it to get returns “you simply can’t get if you’re an individual investor buying an individual mall,” said Brian Kingston, chief executive of Brookfield’s real-estate arm.Blackstone’s global co-head of real estate, Kenneth Caplan, who declined to comment on the fundraising, said markets are fickle and whether or not there are opportunities to buy “can change pretty quickly.”Some funds are setting less ambitious fundraising targets.

I've done the math and after he takes care of the taxes this would result in us paying about $35,000 total for the house, or $11,000 more than what we were going to pay, but it would enable us to get the house.

Looking forward to networking with all my biggerpocket family as I build a network enabling my company to invest and add value to the Birmingham Alabama communities.Thank you for your time and considerationDion

But the fiscal stimulus has bridged that gap for the time being which enabled forbearance and stimulus checks, etc.

@Nancy Bachety Yes, I am invested in Jacksonville in a Class C area both are SFR that I rent furnished which enables me to capture class A & B tenants to them for their short stays.