This model aims to repair the long history of mortgage and housing discrimination in many American cities that have led to the wealth and homeownership gap.  

I would so appreciate some ADVICE -- I am aiming to buy my first small multi family property with little to no money down as a first time home owner.

At the link that you shared, there is an exception to seasoning, which I met all the requirements for:Delayed Financing ExceptionBorrowers who purchased the subject property within the past six months (measured from the date on which the property was purchased to the disbursement date of the new mortgage loan) are eligible for a cash-out refinance if all of the following requirements are met.

While he was there he also took some measurements and informed me that the bathroom that was installed by the previous owner would not be permit-able.

@Veera G. it is interesting that you used ROI as a measurement.

Why 45 for financial freedom, I say bring it down 10 years and aim for 35.For starters, I would recommend starting off with a house hack, it a great want to enter the real estate game and has so many benefits.

Harder to measure on a spreadsheet than Mahomes' QBR or TD:INT ratio, but the people living in Denver can still tell you there is a bigger influx of fresh buyers than ever and I don't blame them.

With that small of a rehab, you should really aim for private money, credit cards, or a personal loan.

Every year we 'lost money' measured in the traditional way- rent compared to property value.

Honestly, if you're aiming for a BRRRR using PM or HML you need to find, negotiate, and lockdown a GOOD DEAL.