On the other hand, if you are looking to do a more heavy value-add with renovation you may look for bridge or private money options.

and - if 35K is everything you've got - savings, emergency fund, money for real estate... that is not a huge cushion. 

I didn't have any money to invest at the time, and now I have a little saved away to start my real estate journey.

What about all the money we spend to build our businesses, run the business and market properties.

that money is not the same as cash... you're paying interest on it.but let me know if i am missing something.

I have a lot of personal experience with BRRRR—both from building my own rental portfolio here in Memphis, TN and from helping both local and out-of-state investors successfully scale their portfolios using this strategy.One of the biggest advantages I’ve been able to offer my clients is structuring deals with hard money lenders in a way that allows them to acquire properties with less than $10,000 out of pocket in most cases which results them in massive cash on cash returns!

Overthinking doesn’t make you money.

Spend the money for peace of mind now.Also, make sure you're getting paid for the risk you're taking on with the foundation issues.

While most DSCR lenders require 20-25% down, some allow lower down payments under certain conditions:1. 15% Down DSCR Loan✅ Some lenders allow 85% LTV (15% down) with strong DSCR (1.2+), good credit (700+), and reserves✅ Higher interest rate compared to 20% down✅ May require prepayment penalty2. 10% Down DSCR Loan (Rare & More Expensive)✅ Available for experienced investors with strong financials✅ Often requires higher reserves (6-12 months of PITI)✅ Could involve seller concessions or second lien financing3. 0-10% Down with Creative Financing🔹 Seller Carryback: Find a seller willing to carry a second mortgage for part of the down payment🔹 Cross-Collateralization: Use equity in another property instead of cash down🔹 Gap Funding / Private Money: Partner with a PML for the down payment

They are running a personal brand, and I would rather donate my money to a good cause than their next mountain home.