Here’s a breakdown of the main ways investors fund their first deal while minimizing their own cash outlay:1.Private Money & Hard Money Loans– These lenders focus more on the deal than on your personal finances.

Conventional would allow you to add a fence or do yard work in your bid.I cannot lend to you personally in MA but happy to answer any general questions about the 203k or other Renovation loan programs!

I'm going to exclude my personal residence from this because I don't view this as an investment, I need a place to live.Excluding my primary residence my current breakdown is 47% real estate 53% stocks/cash. 

I think it's just for text, not to talk with a live person.

We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

I am personally very bullish on the Phoenix market.  

Any insights or personal experiences would be greatly appreciated!

(Keep in mind there are Fannie Mae maximums on the number of personal loans you can have - which is 10 per person.

Personally, my primary residence has appreciated around 6% in market value and I live in Levittown. 

The first is that there's no consensus between tax professionals, and the second is that you will not like my personal interpretation.My interpretation is:Until the property is "placed in service" - everything goes into basis.Illustration.You buy a property July 1st.You finish rehab November 1st and put the property on the market.Your tenant moves in January 15th.The property was placed in service November 1st, and it does not matter that the tenant did not move in until the next year.Everything paid between July 1st and November 1st, including interest and utilities, goes into basis.