I understand all your fears and it is a hurdle/risk we have to overcome in order to ger skin in the game.

Will the home be titled in your name and the seller is essentially playing the lender and holding the note?

I’m new here and new to the real estate game, actually I haven't even scratched the surface yet.

finally after almost 6 months in getting my credit scores up to par...I have a little cash saved, andnow it seems I keep running into sellers that are playing games...ie List for 62.5 k...then when I madean offer of 60k...she countered with 64.5k...getting frustrated with trying to negociate buying...thisis not the first time....its happening over and over again since January with varius properties and differentrealtors...any advice?

Most lenders will not put a lot of work into a loan until they have some sort of borrower skin in the game.

They have more skin in the game then you do.Make sure you get clear title.

Of course the bottom line on the settlement sheet isn't all profit - that's where your bookkeeping and tax filing come into play.

Real estate is a long game, if you want to get rich quick your going to have to look at something with far more risk.

As far as end game goes, I would like to scale my assets to pull in more passive income by leveraging what I have into more and higher cash flow properties.

Here are two quick and dirty ways: for the lowest interest rate get a HELOC on your home.Since it's a 5 unit you're facing commercial rates and are playing in the big leagues of financing which means you need a seasoned entity combined with personal guarantee for the lowest possible interest rate.You can buy a seasoned entity online (make sure it's in the same state) that has a 80 or higher credit score, move the entity to the property address, change all the credit lines to the new address, transfer the property into it, and get your credit score to 720+.Apply for a commercial loan if you don't want to go the HELOC route.