@Samantha Zanotelli- depending on the price and loan amt needed - there are lenders / programs that allow 10% for a jumbo loan scenario ...the payment reserves  requirement will likely be 12-24 months of payments  and you are able to use part of any retirement account balance to meet this requirement 

In FL this is a common occurrence for tenants to pay months in advance or entire lease balance upfront.

The parties can pay off the note for principal balance, late fees, penalties, back interest and legal fees any time before the actual foreclosure.  

All they need is balance sheet & income statement to do the tax returns. 

In this approach, the taxpayer calculated that the cost to construct a new building (say, $300 per square foot at 2,000 square feet, totaling $600,000) should be allocated to building and the remaining balance of the acquisition should be allocated to land.Rule of thumb method: Some taxpayers use a predetermined percentage (such as 80/20 percent, 70/30 percent, etc.) for improvements and land.

Mesa, on the other hand, offers a balance of affordability and access to job opportunities, making it a great option for investors looking to tap into a more budget-friendly market with solid returns.Pittsburgh, PA: Analyzing ReturnsIn contrast, Pittsburgh has a slightly different dynamic.

Finding hard money could be tough unless the ARV is crazy high as you'll be asking them to put $200k in 2nd position or to buy out the first and add $200k to the balance. 

Plus, if your property isn’t right on the water, the chances of it getting completely wiped out are even smaller, around 10%.And if you’re not in a flood zone, then it’s really just a matter of balancing the cost of insurance versus the potential gains in a market where people are panicking.

You often hear from real estate investors who scaled businesses  attribute their success to great contractor relationships, a realtor who helped identify an underserved housing need, lenders who gave them a chance despite not having a balance sheet, even good attorneys who navigated them through entitlements or perhaps accountants who educated them on tax saving strategies.  

However its really a balancing act and different for each owner depending on time and comfort level with your construction team and suppliers.