Here is a PDF on USDA Combination and Permanent loanshttps://www.rd.usda.gov/files/...

Depends on the State Regulations. 6.Seller SecondsThis is a mortgage issued by the seller to the buyer that is placed in a subordinate or second position to an existing first mortgage from a conventional lender; seller second can be a great incentive to buyers; can help them purchase by putting down less cash-leveraging their assets; second mortgages typically carry a higher interest rate than first mortgages, an advantage for the seller over other investment options; a seller second can open new opportunities for buyers in markets where conventional lenders are tightening their loan to value guidelines and buyers need a way to close the resulting financing gap; lenders who want to limit their exposure may agree to a "Combined Loan to Value" guideline that supports a seller second; seller seconds may help buyers reduce their conventional loan needs below the PMI (private mortgage insurance) level, saving significant dollars per month; seller seconds can also help in larger purchases, reducing the amount buyers would need to borrow conventionally, bringing their remaining loan requirement within reduced rate "jumbo" loan territory; some conventional loans prohibit secondary financing; second loans not disclosed to conventional lenders are illegal.sellers granting a second loan must file a lien on the property. 7.Lease with Option and Lease PurchaseA lease with option to purchase is an agreement that the leasing party can buy (or not buy) the property at lease end for an agreed price; a lease purchase agreement, the leasing party commits to purchasing the property immediately at lease end; the owner agrees to apply a portion of the monthly rent payment toward either the buyer's down payment or closing costs at time of purchase.

Find a private or hard money lender to aquire, then refinance out of that loan once you have a renter in the place and can prove cash flow to a lender (the cash flow can be used to boost your income and therefore reduce your DTI)3) If you have equity in your personal home mortgage, get a HELOC and that, combined with your $65k savings, may be enough to do cash purchases in the market you're looking to invest in.4) Try speaking to a local community bank.

My market is very tight, I live in a small town on the west coast, and 4plexes come on the market rarely (and this one isn't even technically "on" the market).

An approved combination temperature and pressure-relief valve and relief valve discharge pipe shall be properly installed and maintained on water heaters.

I had a 3 unit and 4 unit commercial building under my belt already (free & clear, no liens), and had wanted to purchase 2 apartment buildings with a combined 48 units.

As you guys know good PMs are rare and can go bad over time.

Cars get you from point A to point B and unless it's a classic and rare, it's not going to appreciate.

Most agents these days in Florida seem to work for large agencies that are compartmentalized, so rarely do the agents know anything about the properties they are showing you.

Yes you can combine criteria to make the probability higher.. but that too is an illusion.Lets say you take all absentee owners and add a second criteria, they are 70+ of age and have no mortgage, and have no kids...BOOM great list right?