I would certainly encourage you to get in touch with a local lender (maybe even a few of them), quiz them on their downpayment assistance programs, and see if you can qualify for such a loan.  

I want to encourage those of you that are having tough sledding on the first deal.

@David Morad go an acquire more deals, the information is there, where most people fail is in taking action part, get yourself around great people who will encourage you to do more, set your goals bigger, keep learning and keep getting out of your comfort zone.

Wow, they really know how to encourage village improvement!

Scott if you have your contractor’s license you may be able to file a mechanic’s lien but not just anybody can do that, you need to be a licensed contractor to do that not just anybody can file a mechanic’s lien I believe, but you could send her written notice that you’re planning to do that to encourage her to pay you.

Because of nuances like this, and the many others unique to real estate, I'd encourage you to take any advice you get with a healthy dose of critical thinking as no one knows your personal situation like you do.

@Ola DantisThanks Ola for your encouragement And good luck to you too

Hi BP Community,I'm looking for some advice, guidance, words of encouragement, or words that'll set me straight. 

@Bradley Scruggs sometimes a lender will also look favorably on new landlords taking some kind of class for first time landlords.Rhode Island Housing is one such lender but their classes for landlords are actually done through Housing Network RI so I believe they’re open to the public.Just be aware, of course, that when a class is free or very inexpensive, whoever is offering the class, paying for the staff and space, etc. may have a bias or agenda they push in exchange for the free or low cost class (in the case of RI Housing / Housing Network RI, they strongly encourage new landlords to enroll in HAP / Section 8).There’s nothing inherently wrong with that, but it makes it easier if you know to expect that going in :)

Never encourage excitement with rentals.