What I would encourage you to do is to compare how much cash you currently have invested out of pocket in the deal and also calculate what the cash flow is for that property.Cash flow is the income (rent) minus all expenses: mortgage payment (including principal, interest, taxes and insurance), average maintenance costs, capital expenses (new roof, hvac, water heater.

I'd go to every length possible to avoid hard money as a first time flipper, including: - Move into the property and use a low down payment FHA or conventional loan, and a 203(k) loan for the rehab- HELOC- Personal savings- 401(k) loan- Personal loan- Margin loan from stock account - Etc.

I can afford a substantial amount for the monthly payments on the house.

I have about $50k cash that I can invest towards a down payment.

Different guest types (travel nurses, digital nomads, construction workers, insurance placements) are looking for different types of properties.

The buyer is always responsible for that payment, but is relieved when the seller provides the incentive that will pay that fee for them.

Getting cash payments on time each month? 

So, your cashflow is not stressful, trying to make P/I payments day one with no renters.  

In fact, I'm about to start promoting a property in Kissimmee, FL, where I was able to secure seller financing under contract with a 40-year amortization at 3.5%, and a balloon payment due in year 20.

If you only put a small down payment and did nothing but kept your money in the bank you can avoid loss of capital.