I remember being excited to refinance at 5%.  9% was good rate and plenty of loans were 12% or more.

I know of one particular loan program in Columbus (I'd need to see if they service Dayton) that offers 0% down for owner-occupants.

@Marcus Stokes Starting your first fix-and-flip can be exciting but requires careful planning.

Hi Allen, that’s an exciting position to be in—$500k gives you a lot of options! 

I am excited to start this journey and I can only hope you have similar successes.

If you don’t have a large down payment saved up, don’t worry—there are plenty of options available . . .”A trusted lender will go over the various loan types with you, any down payment requirements on those, and down payment assistance programs you may qualify for.

First of all, congrats on taking the leap into vacation property investing—it’s such an exciting journey, and I promise, with the right guidance, it can be incredibly rewarding!

However, part of our strategy is to build a property management company that specializes in working with subsidized housing programs.

The secret is tenant selection, and finding good tenants in the program. 

Then as people move out do the exact same thing to those units.You can get in with an FHA loan at 3.5% or a first time home buyer program.