Quote from @James Harryton: I know it's not what people want to hear and it's not what the gurus tell you on YouTube, but you need to increase income, reduce expenses, save, and invest.You can learn about owner financing, then look for sellers willing to sell with terms that are better than a bank can provide.

Yes, I'm currently looking to find a property that may require some upgrades to add value and near lines for commuter to NYC. 

I'm having a hard time finding a duplex/triplex in the Abilene area do you have any tips for the area I'm looking in?

As noted above by Chris, they'll be able to help with the offer process and provide a sound purchase and sale agreement for use. 

Hey Nicholas,Happy to provide my context.

I still consider myself fairly new to this world, and I can say with 100% certainly the biggest battles are the internal ones, and this industry has given the pleasure of being forced to address several of my short comings, and continue to address them all the time.I find I get the most emotional when I get reactionary, so my constant focus is around honing and suppressing reaction as a whole both internal and external.Thanks for taking the time to write this up.

Cities like Minneapolis, Boston, and Atlanta are showing how public parks can do more than provide green space—they can drive commercial development and job growth.

How did you find this deal and how did you negotiate it?

I was able to withhold less from my W-2 income in anticipation of these savings, providing me cash flow in my pocket each time I got my paycheck.It could be beneficial to engage an accountant to help you assess the cash flow and determine if you are maximizing potential cashflow derived from taxes!

It's very difficult to find a bank willing to lend in second position.