You could use an FHA or conventional low down payment option since it will be your primary. 

If we are to assume a 3.5% appreciation, which I consider very low when compared to the shortage of houses and growth in Columbus, if you put down 25%, that 3.5% appreciation is a return of 14% of the amount you invested. 

I don't want to ruin this relationship but would you suggest trying to get this firm to own some of the mistake ( credit to my billable account) or just move on?

I've been around for over 30 years and I have a formal credit background from 2 of the largest banks in the world.

But, it's now bounced back from the low of Q1 in 2023 to almost the peak 2022. 

Many homeowners opt for quartz for its low maintenance and versatility, but granite remains a timeless and elegant option. 

Right now it has slowed a bit and your competition is low.

Coaching/mentoring programs can be cost prohibitive and have a really low ROI vs buying a solid property in a solid neighborhood and learning as you go.

Agree most Realtors are not real estate investors themselves, number 1.Additionally, your Realtor may have a different property type they like to invest in or prefer to have more paid off properties than leveraged properties.You will know you are working with a true advocate and fiduciary if they negotiate hard for you and advise you not to get into or stay in skinny or low profit deals.To Your Success!

Look for a wet or low spot or look for a high spot.