The $10k wasn't the issue (though it's a lot of money), it was the now-or-never nature of how I was required to decide, sign their contract, and pay--no trial run, no sample materials of the course--not to mention they have zero mentors physically here in Michigan and don't plan to.I, too, live in the Detroit Metro area so it would be great if you could connect me with your RE agent friend.- Joe   

And so they are not waiting until they're mid.

Hello,I am 23 years old and I have 20k, how do you find off-market deals and David Greene mentioned subject to Financing where you assume the mortgage.

Then when it is complete, have property appraised and refinanced to pay back the hard loan from my Mother or other lender and because I overfunded, receive cashback at closing and either pay back into the new loan or wait for another deal once I get renter in on this place with me.My hiccups will be my income to qualify for the new loan, and the fact that I have an existing mortgage which affects my DTI right out the gate.

Contact a couple of banks and mention your intent to purchase and they can help you.

Should I proceed with the offer or wait it out and save my cash.

It's important to maintain detailed records of these expenses.Non-Qualified Expenditures: As mentioned, there are certain costs that do not qualify for the credit, such as acquisition costs, interest on rehabilitation loans, landscaping, sidewalks, and parking lots.

@Jorge M Kuljis..as mentioned by some other posters, lender dependent.

It all depends upon how long you can wait.  

@Ryan ShekellUnfortunately you just need to wait it out.