The vast majority of "regular" or traditional (Conv/Govt) mortgages are originated by specialty lenders and brokers and are sold in the secondary market to provide yield on bank balance sheets (think Chase or BoA) or to be securitized into MBS.

@Tom Stevensonyes, when I BRRRR I typically use my own cash for the down payment, and a hard money loan for the balance. 

The note investor who thought interest is paid on the original principal rather than the unpaid principal balance.  

Focus on a market that has a good balance of cashflow and appreciation (some markets have great cash flow but very little appreciation or vice versa). 

Like Tarik and Christine.. or than merril or any of the others. its a natural progression and the HUGE money is made selling the information. to be fair and balanced like Fox news.. there are always a % of folks that come through these trainings that do quite well and the money they spent forced them to take action.. its just the other 90% who spend the money and well never really do anything..

Balancing rental income, appreciation potential, and location can provide a primary home and a long-term investment portfolio.Good luck!

Home values typically fall between $150K–$200K, which provides a solid balance of affordability and appreciation potential.

Hello Scott, developers require a minimum down payment of 30% and the balance in  to 9 months in a pre construction condo.

So believe me, there were days I used to knock my head against the drywall until I managed to find a balance.

Also, what's the current balance on your mortgage?