Don’t forget heloc, DSCR, 2nd on primary, borrow from retirement accounts, credit card cash advance, property reserves, home improvement store credit, etc etc.

By the way, credit card expenses count when charged, not when the credit card bill is paid.Buy more stuff.

If you had good credit (670-730 range), you have 20% to make a down payment, and sufficient income to qualify for the home you want to purchase - Would you choose the FIRST-TIME HOME BUYER or CONVENTIONAL purchase option...which would you pick and WHY?

It simplifies the process since Zillow handles credit, income, and background checks for a small fee paid by the applicant.Background Check Services: If you prefer not to use Zillow, consider using services like MySmartMove or RentSpree.

@Randall AlanRandy,I have roughly 1+m of funds, that includes open lines of credit.

Best places to look for a HELOC are often the small community banks and credit unions close to the property.  

I would definitely check Dunn and Bradstreet for any open lines of credit, liens, judgements and the like. 

I’d suggest starting with local credit unions or community banks—they’re often more flexible with investment properties.

The homeowner collects a NET/NET 5% yield with 1% increases each year in long-term lease by a BBB+ credit rated tenant (similar to Morgan Stanley credit).

In neighborhoods that won't attract high credit score tenants, I've found that a stable job history with a MINIMUM of 1 year at current or previous job to be the best indicator of a great tenant.