Lenders usually don't like this if it's not 1.2% this may be why you are at 6.5%.Let me put a tiny bit in perspective $550 HOA + $250 extra a month out of pocket. x 19 years = $144,000 and I haven't even touched interest. 

That said, our local lenders only require 20% down and have extremely competitive interest rates.

@Jeremy Taggart That is extremely helpful information.

I’ve made back the money invested in mentors over and over and over again which has snowballed into even more and more every year.I’m a hustler & am extremely driven so I’m constantly learning.

Yes, there are some situations but they are few and far between and typically limited to people with experience, good negotiation skills, or extreme luck.

From my experience, Columbus is still booming, the deals worth offering on are still receiving multiple offers and have been extremely competitive @Ryan Freet.

@Reginald RossMobile is an extremely hard area for contractors!

I've been working on the "next generation" of mobile homes using tiny houses.

It's extremely important to have a mutual agreement in contract form with the contractor prior to starting the work, which lays out the scope of work, timeline, and other expectations from both sides in great detail.

Meanwhile, my 78-year-old retired doctor tenant with Dropped Head Syndrome (DHS) can't possibly work or even drive a car or look someone in the eye and she's living in a tiny one-bedroom apartment and HUD keeps cutting her benefits even though her income continues to go down.I have a lot of things to say about HUD but non-judgmental isn't my thing.