Median prices are low to mid $400's, but in Lake Nona you are pushing $500.

You are somewhat stuck as your friend is interest only with a very low payment, has no obligation to refinance if the loan has not matured and one of those things that not sure how you exit this.

And the Milwaukee major wants to grow its population by more than 60% by changing the zoning law (project Growing MKE) opening up the sea of low density single family zoning to townhomes, mixed use, MF and ADU's. 

I've heard several podcasts including Amy Majoory and the Polites who talk about using OPM for down payments but I still don't understand the logistics when the PML is only for the down payment, but the other funds are borrowed from another entity.For example: how do you structure the PML plus the actual purchase/rehab loan and still make money?

(owe $15,000) very low interestLive at parents rent free- $0 monthfurniture credit card- $2400/$6000 $150 a month. (0% interest)Discover card - $3369/$4000 $150 month ( 0% interest) Navy fed card- $2,700/$11,000 Navy fed card - $13,000/$16,000Around 5 other credit cards which have no balance on them.Assets:I own a 2014 BMW 550i which is worth around $15,000. 

I had to lure a few friends with low rent to move in with me while I learned how to rehab.  

Once the market shifts (like we are seeing now) and appraisals start coming in low, lending becomes tighter, it will be much more difficult to have an exit strategy. 

How can I find a way to make this work when I only have 20K of my own funds to put in?

But a fairly low cost to gamble on at those prices.This is already a long post.

should only be about 2 1/2 - 3 weeks to fund a DSCR loan .