They listing had a failed pending sale and eventually my brother talked them down to $400k sales price planning to buy it on his own.

I'm being quoted by one lender around 8% currently with 30% down and another lender with 20% down. 

Were looking at using a Heloc as  a down payment but its a variable 10.25% APR for 5 years  or 9.87% for 10 years and we have to pull 100K on first draw. of course we can put back what we don't use.

Negotiating in all cash allows the ability to negotiate down the purchase price.

I recently used a HELOC for a down payment and for some repairs.

Totaling 4 homes that you acquired at zero down.4.

I own another 10 unit down the street though and the area isn't too bad really.

@Will StewartIf you head over to the syndication reviews I strongly recommend reading a lot of those posts - I do not believe many on either one of those companies but the gist of it is while it’s great to get reviews - make sure to do plenty of your own due diligence on these entities.

Hi @Max Fajardo sounds like you may qualify for low money down conventional which is a great way to go.  

What is your plan/goal - 1 year to 50 years down the road (yep be that deliberate if you can to be that efficient in all things at all times).