Otherwise, it's typically all cash lowball investors only offers that you can really evaluate, and there's gotta be enough fat on the bone to get your chunk even though it's lowball. 

I would recommend reaching out to Jillian and discussing your goals with her and Gene.

So far today I have tried one bank and I got a big fat NO!

But these numbers have some fat that can be trimmed , but i try to be conservative .

@Gene MarcusWhat type of loan is it?

Hi Gene,Did you buy the second as a first time home buyer or as a commercial property?

Based on the following assumptions: You can afford the monthly PITI There is a fat $ cushion The renovations are all above board The comps show that there is a large upside delta between your purchase price and market pricesYou have good creditYou have a large 6 figure amount of cash for a down paymentIn my personal case, I would actually offer a higher interest rate for a lower down payment.

@Kenneth Garrett, @Matthew Irish-Jones @Roland Jerez @Zack Howard @David Gates @Kenneth Garrett @William Nelson @Josh Kredit-Phelps @Patrick Menefee @Gene Neeley III,@Kateesha Tearry and @Mark JohnsonI truly appreciate all of you for taking the time to reach out to me and share some of that wisdom you all have obtained over the years.

Google Gene Guarino, he teaches about it.

A few blips in additional costs, drop in volume, and you could lose money fast.I like businesses with fat profits off of low to medium volume.