. - that might be a situation where you would want to work with a contractor directly because you would have lots of different options with widely varying costs.

You should fire them right away and talk to an attorney to prevent the loss, but I wouldn't expect much and it could be a waste since a company that does this will not have the money to do anything.When you have just one unit and you are looking for PM companies, your options are the bottom of the barrel because it's not a good use of the big one's time.

Are there any options for lower down payment loans in general or even for college students?

You've got to remember the home has already been through numerous inspections prior to delivery, so the time it takes to finish is minimal.  

FHA loans can be a good option here, allowing you to put down a lower down payment.## NetworkingNetworking is key in real estate investing.

TY You have a few different options, but a cashout refi on the free and clear property is probably simplest. 

They seem to have a turn-key service option so you should be able to get a lot of information from them.

Explore insurance options as well!

Consider financing options like hard money loans, or FHA loans for house hacking, and focus on areas with strong rental demand near the MA/NH border.

Have you consulted with lenders to discuss your budget and options?