I retired as a Master Sergeant from the Air Force after 20 years and 7 months of honorable service. 

My savings account is giving me cash flow.  

They might have a junior agent willing to try it out.You as a buyer have a certain amount of capital which took a long time to save and make it count which is understandable.

I am working on that but even after I save enough money for repairs, I wouldn't want to put all that towards a down payment so I was wondering if there was a way to avoid that.

Save for 7-8 months and get my 20% down of 10k on it and go to a bank which isn't my favorite option or maybe since I was reading on here that life insurance company's have a very low interest rate and like to invest in multi family buildings that would be another good option.

I could be short $450 for a month or two until I rent out the back unit (I have savings I could cover the rest of the mortgage with), but after the back one is rented I could have a little cash flow- at least enough to save for upcoming repairs, etc.

Renters would give up the "home office" bedroom to save on rent.

With fix and flip I could do some of the work myself, saving some money, but also have guys to do the other more serious construction.  

Next time start the seed a bit earlier if your looking to save money.  

Riviera was developed as a retirement area years ago, and is a mix of stick built ad mobile homes, mostly older mobile homes these days.