Since the rent roll was too low, she had to secure financing through a private lender that based the loan on market rent rather than the current rent.

You guys need to get rid of that student loan debt.

Consider exploring financing options like FHA loans and refinancing as the city grows.

However, the ex wife name remains on the loan itself.

With the proceeds we later purchased two properties the same month, one with FHA loan 5% down and received a closing credit of $8k plus a $2k check made out to us after closing.

(Even went beyond the second page of Google.)I have an investor who wants to partner on a deal by providing a loan for the down payment.

If you're a single mom with student loans, a car payment, and living paycheck-to-paycheck, then $20,000 would be devastating and a reserve is critical.

You said that you are applying for an FHA loan so it sounds as though you'd be living in one unit. 

If you’re financing, you may need a construction loan or some creative structuring to get this across the finish line.4️⃣ Vacancy Timing – Since you’re using BRRRR, minimizing holding costs is key.

What’s the purpose of the loan and what is the collateral?