Look at it as a piggy bank. 

If you are willing to live in urban areas you may want to talk to a local bank in your market and see if they have any incentives or grant loans for certain areas.  

Well, not so fast.For every successful flip, there is an account of some nightmare project that sucked the bank account of someone dry.

You will also need to have a US Bank account.  

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

@Enrique Toledo  If the seller is firm at 10% down, you can always get a personal loan for that 10%. 

That'll help you figure out what direction to aim in before speaking with a bank to figure out how much you can qualify for. 

I borrowed $30k on a personal loan from Discover for 15% with no fees for a plot of land and paid "cash" for it.

As far as bank is concerned, I am still the borrower, because we did this transfer behind the bank's back. 

I can't say when that will be but 4.125 is quite a lot depending on the rate you get.I personally want a hassle free funding experience and the lower rate.