(higher rate)or do 5% FHA and get creamed by all the fees?

I'm actually hoping for someone who will help me see the worst case scenario, too, because when everything is peaches and cream, and that's all I see, I could be in big trouble.  

Hey everyone, I just wanted to get up on the forums and break the ice if you will. 

I break the ice from that point and probe the conversation to discover more if needed.

Need to replace the refrigerator with a counter depth model with an ice maker.

Many other types of visas also qualify for a SSN.You need to be a legal resident (green card, H1, L1, etc) for a mortgage.As someone who has lived on 3 continents, I would take a copy of their passport and visa, get employer references and take first month, last month and security deposit.If you are worried about a visit from ICE, consult an immigration lawyer regarding their legal status.

Cash flow is the cream on top.  

Entrepreneurs are a very small part of any population and thus those that have been able to survive and endure are really the cream of the crop of their country, regardless of where they stem from. 

Go for cash flow , appreciation is icing on the cake 

The most important thing for every investor to get you through your first fix and flip deal or 100 th deal comes down to experience and credit.The higher the credit the better pricing terms are.Usually higher credit less down payment to bring to table.Lower the credit higher down payment to bring to the table.Experience is the icing on the cake and can overcome credit issues in most cases because the lender can see that you know ehat your doing.However if credit is to low or negative the pricing may still be a little higher relative to what a prime borrower will get with significant experience and credit.So all in all its a sliding scale credit plus experience is the golden ticket for prime pricing and the most leverage.If either of these are not ideal...No problem pricing changes where you may be charged higher interest relative to a prime borrower or have to bring money down or pay monthly interest.Its all relative to your deal and scenario and gameplan.