Be sure to explore all around the forums as well as many of the FREE tools that Bigger Pockets provides.I am on the lending side of things and am always happy to hop on a call to discuss loan options that are out there, even if not offered by my resources.

If you have questions or want to discuss financing options down the line, feel free to reach out.

A little background: Feel free to scroll down for the main reason of this post...I started out in 2011 trying everything to make my start in real estate but was not successful until 2015 when we purchased our first duplex in Fresno CA.

With that being said, there's very few that will do <$100,000If you don't find a local bank/credit union to do it for you, feel free to PM me

Assuming your debt is SUPER cheap and only costs you 12% you’ll save $22,800 TAX FREE  So the combination is saving $60k at 12% (or more) is $7,200/yr and $130k in the bank at only 4.5% is another $5,850/yr  so you’re over $13k GUARANTEED instead of a chance to make $7,200 before taxes  

Offering a rent-free period helps the seller stabilize, but what happens if they still can't afford rent when the time comes?

Plenty of calculators out there for free and forums/groups on social media. 

The builders right now are also offering some very nice incentives, like rate buydowns and free property management. let me know if I can help in any way and best of luck. 

If need help feel free to PM as I'm happy to share my experience.

Pick up a lot of free cheese, fruit and bread   Freeze the bread.