. - I will ding their credit such that all credit cards and other debt will cost them more.- I will keep their security deposit for funds owed.- I will do my best to garnish future wages until their debt to me is paid in full.This has worked 100% time so far.  

Your paydown in the later years is virtually free

But it seems like 'nothing' comes for free.  

I used to do essentially free consulting with new investors on it but gave it up for some of the same reasons - everyone thinks you can just sit at home and buy good properties across the country that are in great shape. 

@Katie Camargo I would consider: HELOC or Cash-Out Refinance:Post-closing, the higher appraisal gives you the potential to tap into the equity via a HELOC (Home Equity Line of Credit) or a cash-out refinance.

Feel free to reach out or send me a connect!

He has already mentioned that he is willing to act as the bank, interest-free, which is a great opportunity.

I’m always looking to expand my network with like-minded individuals on here, so feel free to reach out.

If you ever want to chat or brainstorm strategies, feel free to connect!

So you can scale that if you want.FHA is for people with poor credit and very little down payment.