Where the h3ll did I say a buyer was responsible for settlement?

Those that say a month-to-month lease is best because a tenant can leave any time during a year (or longer) lease really don't make any sense, because they can do the same thing on a month-to-month lease (i.e. just leave the next day), leaving the landlord with no recourse.

I have read articles that say as low as 50 points to as much as 300, which is the same as a foreclosure would be.

Let's say you qualify for $500k but you had a something like say a job benefit where you could get a $700k mortgage.

But if you use cash to buy, say, a 5 cap and interest rates don't come back to 4%, then you overpaid.

Well your question isn't simple, because if it is, there will already people giving simple guides to be a successful real estate investor on the internet but there are none except for all the "gurus".I understand that you want to learn to invest but based on my observation of your posts, you do not fit to be a investor, especially in real estate.You say a lot of things like "I mean can anyone out there just inbox me and help me out because there's so much to read and it seems it never ends" just because there you are flat broke?

It also doesn't have to be a bank, many companies will offer both first position stacked with mezz, to achieve higher leverage percentages, especially with large commercial deals, say a 200mm office building etc.

If I want to get let's say a mortgage for a house worth €100,000 I will have to put €30,000 down.

This one also is unique in that the managers of the platform continue to hold a large equity stake in the portfolios, and make their money alongside me the investor instead of from me at the point of sale (unlike say a turnkey operator).  

Cats and little dogs do waaay more damage than say a lab.