Then can decide for whatever reason not to fund the loan and keep that engagement fee.

I imagine a lot of the reasons will overlap with the previous topic.  

FHA rules require that a landlord allow an ESA if it is a reasonable accommodation.

Figuring out the true cost will heavily depend on the type of dig down, depth, and total square footage. 

When I think about this, I don't see many downsides, so it seems a little too good to be true.

Is this true? 

Here are a few strategies to consider for funding a down payment:Partnering: Like Gregory mentioned, finding a partner who can contribute to the down payment in exchange for equity or a profit share is a solid option.HELOC or Cash-Out Refi: If you have equity in your home or another property, a home equity line of credit (HELOC) or cash-out refinance can provide the funds you need.Private Money: Reach out to friends, family, or private investors who may be interested in lending you the down payment with a promissory note.Seller Second: In some cases, the seller might agree to finance a portion of the down payment as a second mortgage.Live Frugally and Save: It takes time, but reducing expenses and setting aside funds from your income is a tried-and-true method.The right approach depends on your situation and deal structure, but a mix of creativity and resourcefulness can go a long way.

So, the chances of someone trying to find the TRUE below market deal in their “spare time” is not great.  40 years ago you could.

I find condos/townhomes to be easier to manage out of state because the HOA handles a lot of the maintenance, just be aware of condo fees and find a place that is reasonable like $300-400/mo or less if you are lucky.

And my only asset is that I am under 30, single and can move to any place to make my dream come true.