I was fortunate enough to find a lender with 15% down for my previous properties  For sure, man, I’m sure it varies by state with Lending  but in Texas 20% down is  pretty standard on investment properties.

Also make sure you know what the rents are in that area because they vary in each Borough/Township. 

I see where you guys are discussing meetups and varying schedules.

As Peter and Jonathan mentioned relying on similar comps and/or local agent knowledge is the key here.

The information contained in this post is not to be relied upon.

My humble advice to anyone attempting to do creative finance is:Creative finance is for experienced investors who have access to capital if anything goes wrong.Learn the lawsDon't use a contract "off the internet", laws vary by state and are also regulated on a federal levelLearn the financing techniques correctlyDon’t skip parts of the processDon’t ever do a “kitchen table” closingUse the proper deedAn attorney can help you with the legal work, but the rest you are on your ownYour guru will not bail you out“Investing” in someone else’s deal by providing a small 2nd loan so the “investor” can pay for “cash to the seller” and for “closing costs” so he can do the deal is a very bad planKnow what problems can ariseLearn the responses and solutions to problems before they are neededKnow everything there is to know about Title and what that meansKnow who a "protected class" individual isLearn the "back doors"Learn human natureUnderstand timelinesUnderstand regulation enforcement (some of these "mistakes" have a 10 year statue of limitations ( they can charge you 10 years AFTER you do the transaction) and carry hefty fines and possible imprisonmentThe court doesn't accept "I didn't know" for an answer"Know that the source of the lead plays a serious role in some states and federallyKnow how much of a "profit" pushes the boundaries to invite an investigationYou can be sued by the seller if you don’t do things correctlyYou are automatically at fault if an investigator or attorney or regulator gets involved.

We did not rely on them and still do not rely on institutional capital to capitalize our lending business.Aloha Capital has funded over 3,000 loans since 2015 on nearly 1 billion of residential investment properties.

it's going to vary depending on the market and what you're looking for to meet your goals. 

This can put a significant strain on your finances and cash flowThey also often require a large down payment themselves and may have a strict repayment schedule that can be difficult to meet, especially if there are unforeseen circumstances or delays in renting the property or generating income from itIn addition, relying on this type of loan may expose you to higher financial stress and the possibility of default if you are unable to meet your loan obligationsThe final decision depends on your overall financial situation, risk tolerance, and your ability to manage the associated costs and obligations

It sounds like you’re doing a lot of the right things by targeting attorneys and agents, but sometimes the key is adjusting the approach or exploring new avenues.Here are a few suggestions that might help:1.Diversify Your Lead Sources•Instead of relying solely on attorneys and agents, consider direct-to-seller methods like cold calling, driving for dollars, or using direct mail campaigns.