Also I am in a masters program at Montclair State university for software engineering so I figured, instead of paying someone else rent, the faster I get a property, the faster I wont be paying high rents near montclair.

@Cheree HarrisI cannot speak to the specifics of a lender program I don’t know but if the lender said they would lend you 80% LTV then they would theoretically cover $48,000 on your provided example. (80% of 60k)

@John Gardner You can refi them as long as they debt cover (min 1.2) and you have a long term tenant in place into a 30 year fixed program.

In full disclosure I am not looking to join one, I simply want to hear from those that have.If you have currently invested in a group such as this, what was the value you saw in the program and what was the determining factor that made you decide it was worth the investment?

Because there is a generation of folks that like to put way more money into social programs that the tax base allows them to afford.  

Kohler's attorney's office at KKOS' Mail Forwarding Program.

Both programs allow you to create radius buffers around select points.

And to keep women in the organization, CREWN has educational programs, impact programs and an executive development program for women to “make sure they have the training and support to be successful.”

In other words, unless it appreciates significantly which Westland that I'm familiar with likely will not, it's a bad deal.If that's a friend you wanna help, introduce her program like home partner will be good enough

However, this year due to COVID and the programs being cancelled/changed we filled it with a non-professor for the first time in many years.