I've done a few deals with seller financing on commercial loans to effectively reduce the downpayment to less than 20%, so shop around with local banks in that area.  

You already have some tools in your toolbox....no pun intended.Now, you simply have to work on the other elements to progress your REI pursuit.Ok, now that you have taken your initial step, below are some quick links to get engaged. http://www.biggerpockets.com/startherehttp://www.biggerpockets.com/meethttps://www.biggerpockets.com/alertsHow to Use @Mentions on BiggerPocketshttps://www.biggerpockets.com/ruleshttps://www.biggerpockets.com/inviteshttps://www.biggerpockets.com/forums/categoriesREI books suggested by BPershttp://www.biggerpockets.com/renewsblog/2013/04/14/best-real-estate-books/?

(a) It is unlawful for any person, including any entity, to act or assume to act as a home inspector, to engage in the business of home inspection, to develop a home inspection report, to practice as a home inspector, or to advertise or hold himself, herself, or itself out to be a home inspector without a home inspector license issued under this Act.

THAT'S how you use those loans effectively!

Below are some quick links to get engaged on this site. http://www.biggerpockets.com/startherehttp://www.biggerpockets.com/meethttps://www.biggerpockets.com/alertsHow to Use @Mentions on BiggerPocketshttps://www.biggerpockets.com/ruleshttps://www.biggerpockets.com/inviteshttps://www.biggerpockets.com/forums/categoriesREI books suggested by BPershttp://www.biggerpockets.com/renewsblog/2013/04/14/best-real-estate-books/?

All you need to know is that the Fed's target rate is vastly important to the global financial system, and it has far-reaching effects on all manner of interest rates.

Any thoughts on the effects of this program in the Indy market?  

Surface mold can often be effectively cleaned off non-porous surfaces.

If the FED does what is says and slowly moves rates, this will have little to no effect on the mortgage industry, at least for the near term.  

I would like to provide insight on how to effectively birddog when getting started and facing similiar challenges.Here's an example of some of the topics:What is birddoggingWhy choose birddoggingHow can birddogging help me get started as an investorWhat do you need to start birddogging (Contracts, Closings, Negotiations)What are the steps you need to take in order to get started and be successfulMarketing TechniquesNetworking Techniques (How to find a Mentor)Goal SettingPlease let me know if there is a topic a Newbie have to know that I may have overlooked.