This can save thousands annually.  

You might save a full percent just doing that and you have tons of money you didn’t pay in points.

.- After closing, you can do some of the work yourself to save money, but the program doesn't allow you to pay yourself.You will want to buy a Class B property, maybe Class C+, in an area that seems to be improving.

If you're planning to rehab properties for rental or flipping, a hard money lender might be the right fit.

You don't have to be a contractor but it will save you a good chunk of money. 

The apartment will be 10 miles to work instead of 40 miles (saving money on gas).

They will save you time and money. 

If you’re not occupying the property and plan to either sell it or keep it as a rental, you might want to consider a bridge loan through a hard money lender.

Buyers who go directly to the listing agent will not see the same savings, if they see any savings at all.

Keep your 9-5 job to save money to purchase real estate.