I would look for a bunch of Sub To Deals with 2-3% interest rates ...... then rent out for cash flow and huge equity build up when rates are really low (check out amortization schedules and compare 2-3% vs 6-7% with the same balance and length of time - check out the principal portion each month - the lower the rate the higher amount goes to principal PLUS better cash flow).

My idea to buy a home is to get an 80% LTV 1st mortgage from a bank, take over that mortgage and give the seller a second mortgage for 50% of the 1st mortgage balance because I need some cash to cover the payments, which the amount of cash would be more than the remaining equity in the home.

There can be redeeming factors that counter balance a deficiency in a particular area. 

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Perhaps supply and demand were so out of whack before 2020 that 450,000 less people still isn't enough to create a balanced market? 

You'd need to come up with the seller's equity (the difference between the loan balance and the sales price). 

Eventually, you’ll look back and appreciate that you took the leap, even if it felt a bit off-kilter at first, kind of like trying to balance on a beam after a strong cup of coffee.

@Mary LopezThere are second tier lenders out there (non-banks) that will do small balance commercial. 

It sounds like you're looking to balance immediate cash flow with long-term equity growth, which is a solid strategy.A few ideas to consider:Local Networking: Connect with other investors in your area or in Milwaukee who might have deals they can't take on themselves.

Yes it’s common to have an additional guarantor who has a balance sheet added as a credit enhancement.