Banks ask for larger down payments to shift risk to the buyer/borrower in default. 

@Julie J.My recommendation would be to wait until you can afford a home with traditional financing.

Drop me a PM and I will send you to who we use.  

Would love to connect

Here are some of the reasons:- Americas only 30 year first lien mortgage where every deposit goes 100% to principal. - Americans only first lien 30 year mortgage with 24/7 draw ability 24/7. - The only first lien mortgage in America that recasts interest every time you make a deposit! 

Welcome to BiggerPockets Abu!

You won't get to inspect the property before buying it.

Here’s the quick-and-dirty lowdown to get you started:1️⃣ Where to Look:LoopNet & Crexi: Good for commercial deals, though the best ones go fast.MLS (Multiple Listing Service): Access through a realtor for hidden gems.Auction Sites: Think Auction.com or HUD homes for distressed properties.Direct Mail Campaigns: Target landlords with older properties (especially those with code violations).2️⃣ Systems for Finding Deals (Step-by-Step):Set Your Criteria: Market, budget, unit count, rehab level.Build a Deal Funnel: Use LoopNet, Crexi, wholesalers, auctions, and brokers.Analyze Quickly: Use a property calculator to see if it cash flows.Direct Outreach: Contact sellers or property managers directly.Get Your Network Tight: Property managers, realtors, contractors—they’ll drop the best leads.3️⃣ What Makes a Good Deal:Cash Flow Positive from Day 1.Below Market Value (usually needs rehab).Upside Potential: Think rent increases, better management, or refinancing options.4️⃣ How to Become the Better/Best:Study the Market Like a Hawk.

.- Search Meet Up App to see what meetings/meet ups are nearby.- Post on craigslist asking about networking with other real estate investors. - I would search Bigger Pockets for members in VT and ask them their thoughts.Greg

We offered 30K under asking and got it under contract, after the inspection we were able to renegotiate another 10K off of the property due to repairs needed.