(I had additional carrying costs from a HELOC, which meant I walked with around $45,000).Aquisition:We found this deal on a wholesalers website who we keep an eye on.

I would like to plan my start for scaling (thinking of starting out with an owner occupied 2+ units to give a bit of experience owning and being a landlord.

My husband and I have an LLC for real estate investments.

It might still be wise to convert it to an investment anyway. 

A link to FilePlace is at the bottom of every page, so it is easy to find.If you have technical issues, send an email to [email protected] and someone will help you.

Use an online mortgage calculator to get an amortization schedule and present it with the offer.

Investing in new construction can make sense here given the strong appreciation and you end up leveraging basically the same amount of cash and have an asset that's not 60+ years old or more. 

Ive recently come into a large amount of $ due to an injury settlement and im looking to do all great things thru real estate with it.

You can't show up new to an auction like that and "win".

There is also the local knowledge of a market like here in Lake Tahoe where lending can be trickier so an offer with a local lender might get chosen because they have a reputation to get a deal done vs a national lender that can have more red tape and a slower process.