if you have no money to put down then you're not ready.here's what i would do instead:-save up enough until you have enough money to do a live-in flip-do a live-in fliphope that helps

We cash-buy or use light debt, then refi or hold once cash flow’s rolling.

It is not a scam, but you will have a very hard time finding a deal that is worth working with them, and frankly you are going to have to find someone that does not understand at all what their property is worth and get them to accept a super lowball offer to make it worth it. even then their points and fees will eat up so much that getting the 10% down loan will have a much much higher profit margin. 

Then, look for the neighborhood all the students want to live in. 

You can use this property to hedge any others that you add that may only cover themselves, or require supplement until they are paid off.HOWEVER, if you have decided that your goal is to use Real Estate as a stepping stone to build wealth by upgrading the property you hold each time (condo to house, house to 4-plex, 4-plex to 8 unit, etc) then I think you are right to sell now while you think the property is at the top of it's appreciation.It will be hard for anyone on BP to tell you what to do as we don't know your goal.You are right. 

I would say however that if you are looking to buy rentals then the landlord tenant laws are not landlord friendly. 

I then did some wholesaling, land flipping, did some more buying and am now just doing lending to build up active income.

If it doesn't, then you sell. 

Here's how I’ve successfully found off-market properties:Direct Mail: You can pull lists of absentee owners, tax delinquencies, probate properties, and more, and send them direct mail offering a cash sale.Driving for Dollars: This means driving through neighborhoods looking for distressed properties and either leaving a note on the door or contacting the owner.Cold Calling: Use public records or services like Prop Stream to pull lists, then contact owners directly by phone to see if they’re interested in selling.Networking with Agents: Many real estate agents work with investors and have access to off-market deals (pocket listings).

Considering the area  I am not sure how this poster's LTRs are going, but I own 2 in the area and have helped multiple investors buy and then lease their LTRs in the Buda/Kyle area as well - all are cash flowing.