You must meet certain criteria for the rest of society to back your loan and guarantee to pay it back if you default.

It isn't which is obvious from the pics, but perception is everything.

All a matter of perception, winter can work particularly if you are selling and a buyer walks into a nice warm, cozy house with the aroma of fresh coffee.... almost instant sale!

Stellar price on a multifamily (but my price perception is off, being Californian).

Society changes, shows we watch change, what's funny, what isn't, what matters and what dosn't, and with that what people find engaging and trust changes, damn nearly daily it seems sometimes.

If the surrounding perception is that the house is haunted I wouldn't touch it now.

IE a JV deal.. and they take title in the name of that LLC.the benefit to them is if you fail according to the operating agreement in the LLC they can just eject you from the LLC and not have to foreclose.. now in principal i personally see nothing wrong with that set up as a lender. but its not the perception that most that reply to their no money down lending program are aware of .. and or since most are beginners it could be a little overwhelming or complicated for the borrower to fully comprehend.. with a borrower just thinking hey if it closes great were do i sign.

That is the problem with our society though.

But bigotry does not make negative perceptions any less of a handicap in this world.And how bad is the dropout stereotype going to be in 2030, when our OP here is in his late 20s?

I know there are bad agents, so find a GOOD one and change your perception.