The concept of lending and the business model lenders use today has evolved quite a bit over the past few years and has created distinct institutions that offer credit to everyday consumers like you and I.

It takes some expertise to read them correctly. 

Then it takes to corporate site where they have a site location footprint and model.

You can use college to build a network, learn about investment models, pitching to investors, etc.

Why on earth would you give up your secure income stream from employment to go out and invest in RE if you haven't proven that model as a winner?

@Eric Tait has a very common model for the landlords in the area.  

If you really want a shorter pay-back period, my suggestion is to model your property (business) using the commitment of a 25yr amortization, but to make sure any mortgage you secure allows for a substantial annual pre-payment  (15 - 20%) or payment increase (again 15-20%).  

It makes for a much more profitable business model in the long run.  

With Fannie properties it is more like a traditional offer and acceptance model.  

Hello,I desire expertise, guidance, and assistance.I am a Real Estate Broker in SA Tx and this is my scenerioI have a client that has 120K cash, looking to by a home for 175K.We need a reasonable loan for the 55kCan anyone help?