The best I know of (and we can do this) is 15% down, but even then in this high interest rate, high tax, high insurance environment it's really hard to get a property to cash-flow positively without putting a lot more down.

That plumbing bill or new appliance will generally cost the same, so higher R&M reserves, as a percentage of rent, are needed in lower quality/lower rent assets, too.

They took almost a year to rehab it and it's been sitting on the market at a high price since then.

(FYI, We are trying to build a small (5 to 6 properties), high quality portfolio in the next 5 years, planning on putting 25-30% down)The investment opportunity in question is a new build, single-family home with a 3-bedroom, 2-bathroom layout, accompanied by a 2-car garage, located in the neighborhood of Wesley Chapel, FL.

The challenges include - Interest rates - that are as high as they have been in 20 years; property values - which have doubled and tripled in the past 3-5 years.  

I was using PayPal, cause instant and no bounce but really high fees

The wholesaler had it priced too high as he used comps from March.

Intrinsic quality, instinct, seeing possibilities all are critical to success.

There are markets that are very saturated with STR and with vry bloated prices and high interest rates it could be impossible to turn a profit at all. 

I aim to refinance the loan under conventional investment terms to avoid the high interest rates associated with hard money loans.With an excellent credit score, securing a loan shouldn't be a challenge.