For good borrowers we defer interest payments and points payments until after the deal closes. 

Total payments amounted to $900 for last year.

My interest payment on a mortgage is over $1000 a month, how do I include these savings in my CoCR or overall investing strategy?

He wanted 200k down payment which is 17%, and no interest.

If the payments are more of a concern, instead of writing below list price, ask the Seller to buy down your interest rate.

You want to invest just to have a place to live and potentially offsetting your mortgage payment by renting out the vacated rooms or having x amount of cashflow in the future?

Personally, I love the Atlanta area for investing, I have a ton of clients who invest in Atlanta and in Baltimore and those areas seem to have a decent return on investment for flips even with having low down payments on the purchases. 

I am thinking the following:This would be a wrap around mortgage as I still owe $165k on it.Sale Price $245k (market price)10% down ($24,500)10% Interest 30 year (please tell me if thats a bad idea)Monthly payment based on 30 yr ($1930/mo + tax and insurance) = $2448/moPlease let me know if i left any pertinent information out.Any sleuths out there can check it out. 🤓 (1032 E Tucker St Fort Worth, TX 76104)

Digitizing processes in order to drive down costs really pays off. 

Don’t have another down payment saved at the moment but have some company stocks that will vest over the next few years that could amount to another down payment.