Buying a house using an FHA will allow you to put only 3.5% down with a very attractive interest and no many limitations.HDFC will allow you to get properties for dirt cheap with a higher down payment and much more limitation.I'm looking to make the most profitable decision, what would you suggest? 

It's a relationship based business and if you prove you're honest and your financials are generally sound, you can expect a favorable lean on lending decisions down the road. 

Don't fall into the trap of using this to make decisions. 

I would figure out the penalties for moving early or payback terms and then make a decision but am leaning to taking both.  10k is a great incentive to stay if you are trying to build your portfolio and a great incentive to buy a nicer property that will hopefully be less maintenance.  

I’m still compiling data and will make those decisions ThanksBen

If you have started with turn key do you feel it was the right decision for you and why?

@Alex Lesar congrats on your decision to get started in REI!

Its in the kitchen, bed room and living room....ughhhh The only way to know what you like is to make a decision and see what your experience is.

@Charles SituInteresting to know that, thank you so much for you comments and experience According to you and others, investors experiences now I can get a better decision.😁

Look at your loan estimate and see what the difference would be by not buying the rate down and how long it will take to realize a gain by buying it down and then make a decision about which way would be better.