Quote from @Scott Tennell: What creative financing strategies have you found to be the most effective in today's real estate market, especially in terms of working with sellers or investors in challenging conditions?

The biggest challenge is finding a team you can trust that will run the business for you because its not passive at all. 

Disputing taxes for a rental property was more challenging than owner occupied. 

So you would spend around $25-$30k a month (this was 15 years ago) on police details and require union gate and non union gate if you had non union workforce as well.In DC area, the utility providers are a huge challenge, whether getting permanent power, or water/sewer service etc - good luck.

In the years that I've represented primarily BUYERS, I find that there has been challenges navigating transactions where the seller is a For-Sale-By-Owner (FSBO) AND inexperienced in handling a real estate transaction.

You might fumble occasionally, sure, but that’s kind of like investing’s rite of passage.

@Nate Jenks - @Andrew Postell did a great job clarifying the big challenge you'd run into pulling cash out with such a low down payment. 

Challenges?

It is challenging in the winter months as people tend to focus on the holidays, shopping, dinners, parties, etc.

Challenges?