Be alert, if you time it right you might be able to get down payment assistance/grants (I got $5,000 from a local program and used it to buy my interest rate down to 3.125% which is way below typical market rates for a Duplex).

21st Century has a CASH program that is considered one of the most attractive options for new homes.  

I always enjoy them for programming related events. 

I am looking at sourcing different rebate programs or other for apartment communities.We have owners from out of state that are seeing significant appliance rebates for toilets, energy star rates appliances etc. in CA and other states, but I am having a hard time sourcing similar programs in Minnesota for market rate communities. 

There were a few years of pain, but then over a period of 3-4 months, I started getting certified letters in the mail requesting I refinance those houses under the HARP program.

They have a Bank Account that was opened 8 days ago.Normally my background check program requires name, DOB, ss#, DL#, and an address.

That is what the gurus sell to get you into their coaching programs, but it is far from reality.

Having said that, yes it is definitely a sales pitch for an expensive program - basically foreplay before you get into bed.  

Account Closed  I do a little of this and I would only deal with someone I can eye ball.and size up.. too many weirdo's and wanna bees on the internet or on bP or linkedin or facebook.I also owned a sizeable HML company and of course we advertised and many times did not meet our borrowers but if they were local we always had them come in.but I had a Accurant program to run them through that would detect fraud and I did that first contact.I have gotten a few loans from lendinghome and they do a back ground check which I think is great.But in general private lending is by non professional lenders known to you.. not people you meet on the internet that's a good way to lose your private money LOL

I am considering starting with a rent to own program as I only have 50k to invest and feel that this might be the best option for me to get started in my investing career.