The only way around that is to get a bit more creative like get an 80% tard. loan, and the 10-20% balance from a line of credit or preferably a HELOC which has the lowest rates/fees and the easiest to obtain.

I prefer SFR/SFH just because these tend to attract a better sort of client.

I hope you got this number from a contractor (preferably one that is capable and ready to do the work) as, once again, it will add to your credibility.

I'm trying to find my niche.

But, I focus on a specific niche (REOs), have a set discount that I'll generally offer, and have few contingencies in my offers.

It all depends on what kind of job, life, and skills you prefer.

It is a unique niche that they have found.

preferably cheap ones?

What kind of account is preferable for starting out in the re business?

I have been educating myself for over a year now, through books and CD's and even a seminar.Because REI is wide and deep, I've been trying to find my niche in this business.