Hi @Junior Matthews.I work with a highly creative and knowledgeable mortgage banker who serves both Georgia and South Carolina.

I guess one needs to be prepared to pay ~ 8% of gross, and reading reviews also helps in the final selection.

Sounds like portfolio loans and other creative loans are the way to go.Feel free to message with any suggestions for lenders (or if you are a lender).

I’ve been tracking it about quarterly for years even before RI and always update year end when preparing for taxes since I’m collecting much of the data anyway.

May consider right value-add opportunity with creative financing / owner financing.

my house is worth about 450 and I owe about 160.g)  There is creative solutions -- owner carried financing, lease-to-buy, etc.Any advice welcome on how you would look to finance a deal given this situation.Thanks!

You need to be prepared to advocate for yourself to keep things moving through the process.You must either be in the target demographic (earning less than median income for MSA) OR be buying in a census tract that is eligible (based on the income demographics of the tract).In a competitive market, getting a seller to accept your offer, with the NACA qualification letter, rather than a traditional preapproval letter, can be a challenge.Having said that..

When I was in 9th grade I took a career test to see what I wanted to do when I grew up. It told me I should be a Construction Contractor. The test said that on average a Construction Contractor would make 40k/year. I ...

Also, have documents prepared hat explains in any investment a loss of capital is possible.

I was wondering if there is any creative ways around this require.