I have 2 offers from lenders:1. from private lender which allows me to buydown interest rate (I can do 1-1 buydown) and rest money will be used towards closing cost (19k - 13k). where closing cost is 13k.2. from chase bank which allows me to use seller's credit towards closing cost and rest can go towards principal reduction.

Thank you for offering to me with questions I might have on the way. 

In Silicon Valley REI was high and mortgage rates were 11-14%.

I got this property at the right time, it was on the market for $699,000.00, seller needed to sell, I offered $550,000.00 after they cut to $650,000.00 and we agreed on $600,000.00.

Baltimore is cheap, has low incomes, a declining population, high taxes.

Or would I need to offer a higher interest rate on the seller financed debt?

I know it’s an often visited topic, but I would be interested in receiving private messages from those of you who currently offer no money down options for fix & flip and fix & hold investing.

The offers they make will vary quite a bit.

I only have student loan debtI have a full-time remote jobI have no prior experience in real estate investingMy credit score is high 700'sHere are the details about the property in Zenda,WI:Asking price: $235KIt’s being sold by out-of-state heirsIt needs at least $50K in repairs and updatesThe neighboring house recently sold for $235K (though I don’t have details on its condition before the sale)A family friend who owns a construction company assessed the property and noted the following:Replacement Needed: Furnace, Water Heater, Water Softener, Floor (concrete replacement needed due to unevenness), Roof, GuttersUpdates Needed: 1.5 BathroomsConcerns: Black mold and water leak marks upstairsRemodel Suggestion: The staircase is very steep and narrow; recommended to relocate and extend it into the living spaceAdditional Work: The property slopes downward, allowing rain to flow into the house.

It offers a central hub to keep all your contacts organized and also gives automated features.