Assuming the property does not have major issues such as deferred maintenance or lacks desirability, accepting anything less than 20% down, minimum, is asking for problems.  

I've yet to see someone say: "I have "x" but I'm subtracting "y" to keep as a reserve fund and planning on 25% down".  

This is great news, but now I need to figure out how I can fund the rehab costs?

@Simon StahlYou could always pool your IRA funds with other investors when investing in real estate.

I am looking for creative/low cost ways to fund a spec home and have a question about pulling equity out of my current residence.I have a newly built homestead house that was just appraised at $260k.

ELOC are difficult to find on investment properties and probably will not desire to go above 70% LTV so likely will not be able to help.I understand Texas to have high property taxes. 

I currently work in commercial real estate for a large developer, but have a strong desire to put together rock-solid deals in the single family/multi-family space, utilizing BRRRR and/or flipping.

As long and the total assessment for a tax base and the tax rates generate the desired amount of income, the assessor doesn't care too much about individual values.  

For example if someone says "I am NOT a cash buyer, I am NOT preapproved, and I intend to write 100 lowball offers with no proof of funds or preapproval!"

Hi @Sanjay Patel -- Welcome to BiggerPockets.I'd be happy to provide you with a list of investors in our Private Lending Program who are happily earning interest on their funds.