There are much better looking girls (or guys) in this party :) If you are in the $155K purchase range with good schools, you should be in ~$1850+ range IMO.

Buying a home larger than you need knowing 100% that you and a "serious" girl friend can and will grow into.

Our goals are to get to $3,000/month in passive income to replace my W-2 income so I can stay home and do my business and help raise our little girl and homeschool our children.

The unit is 3 bedroom in a college town, so the tenants are 3 college-aged girls. 

There are a number of ways to have it YOUR way when investing - Ask the seller to loan it to youDo an installment down payment agreementGive the seller a note - pay him a percentage of the rent you will be collectingGive the seller a post dated check - post dated for 2 yearsOffer a blanket mortgage on another property you ownAsk seller to repair something (we call it the"Front Porch clause) instead of him doing it, he gives a check in that amount ($50,000) that it will take to do the repair - you endorse the check and give it back to him as the down-payment.Borrow SOFT MONEY on another property you ownBring a limited partner in on the deal - they borrow money on their property - you pay them back over time with a nice interest and don't forget a buy out clauseAsk your girl friend, your Mother or drinking buddies - offer a free apartment for a limited amount of timeAsk the owner to finance 100% of the deal - keep him in as a limited partner Offer 20% more for the building if the seller will take back a principal only mortgage (that is without interest) offer a balloon payment and split notes.Ask the seller to let you manage the building for a year - collect the rents and make improvements from the rents receivedOwner financing with split notes (details on this to come)Proposal to the owners daughter - make friends with the seller's wife - let him know you really want this property - beg for help - tell him you are a nice person - just getting started Offer a Hybrid offer - offer less - improve the building and give seller 20% of the profitsTry a Delayed Settlement with right of possession and subject to the mortgage - you make payments until settlement 1-2 years later.

We had a young girl tenant in the house, and she was somewhat frightened of him.

What list(s) have you boys and girls had the best results with??

A girl waiting in a car for her boyfriend where the boyfriend decided to rob a store, movie type stuff, where she claimed she had no idea he was going to do that.

I applaud you for your interest in investing in your future, YOU GO GIRL!

What is the strategy for these direct mail marketing guys (and girls) when they find a motivated seller with a large amount of equity but still have a mortgage attached to the property?