Our over inflated government is driven by way too many jobs.

 $24,000 loan from the government at 5% or $1,200 per year for 15 years or $18,000 savings.  

The 70% rule is reserved for talking points by the guy on stage talking to an audience who they’re trying to sell a coaching program to   It’s a get excited number not a do a deal number   The equation is: maximum of 65% of AS IS value.  

any free programs?

Quote from @Mike Klarman: So, the Ground Up Programs are the hardest to get into. 

You even have the ability to send your tenant's leases via e-signature and their monthly rent receipts electronically.In addition, you can house all of your management contact information within the program -- such as lawyers, contractors and handyman.

Quote from @Neil Clooney: Hi,Does anyone have any advice on real estate mentorship programs.

I would ask either the title company or a real estate attorney in the area what government agency to report them to.

The DSCR program "Must use the lesser of the two either common rent from the appraiser 1007 rent schedule form on the appraisal or the lease".You also have to factor in the taxes and insurance because a guesstimate or ball park can kill the approval. 

I purchased my first home in October 2008 in Las Cruces, New Mexico after accepting a career with the federal government.