Sounds Like 1 of 2 things here to me. 

@Anthony ZottoThe key in situations like this is to focus on building a genuine relationship with the property owner.

There are programs that offer 100% financing for many different people like Veterans, First time home buyers, (Certain states), Medical professional loans also offer 100% (Anyone with a Medical license).You also have Second Home or Vacation home which only requires 10% down.

Given my objectives as a young investor, which of these regions—Upstate New York or Florida—would you recommend as a more viable starting point for multifamily investments, considering factors like market trends, economic growth, and property appreciation?

Most new home communities have super HOA restrictions on investors, like you have to live in the home a year before renting and/or they only allow a certain % of rentals like 1% or all kinds of other roadblocks.Plenty of opportunity in North Texas, but for the most part stay away from new builds for rentals.

Hi @Juan MoraThis website is a great reference point for figuring out what each area is like.

I'd recommend adding a consultation fee but seems like your trying to deceive your father.  

@Alex Castillo, here is what I would likely do:1.

-I have had some with a Vantage Score number when you run their credit, which is like a credit score. 

SiniSTAR is a unique platform dedicated to connecting property owners like you with displaced policyholders in need of temporary housing due to unfortunate events such as fires or floods.