Most Hard money lenders are going to require 20% of cost so if you have that plus reserves then that is by far the best bet.If this Is for real and they are not just trying to get a thousand bird dogs to pay them a 795 up front fee for their inspector they probably pay 100 bucks to drive out and look at and fund very few deals ( like many mortgage scams) .. then these can be pretty nice set ups for you to gain experience and build your resume'I would also hit Mark off line he is a very experienced licensed Broker in that area and one who knows the investor side of the coin

Also, do you give any different considerations for cats versus dogs?

Don't sleep on Steve's suggestion of Ray Alcorn.

I don't understand how people like that can sleep at night.

The tenant has a few other people that I am not aware of living in the unit and also have two dogs.

Don't sleep on a single family home if that's all that you can get in your budget.

Interestingly, the most popular dog breed across all three cities is the Labrador retriever.

Won an Olympic gold medal but has to sleep outside at a park in Paris because it's too hot in the Olympic Village accommodations.

Is it natural or are there others that have lost sleep when they had/have first started out?

Maybe you bird dog and find a deal you can pull off with a partner and make 1/2 the profit.