Example, a short pay history - non-redeeming factor, a 25% down payment, a redeeming factor to counter the short pay history.

Then there you go.One thing I am looking to try to do but haven't done yet is buy something with zero down on seller finance, put the rehab on a 0% credit card, then refi the seller off in 12 months and pay back the card. 

The struggle comes when you plan to sell, pay close attention to how the bank would treat the loan in the event you would sell.Even though its a bit more work, banks are typically open to these loans as it provides them with additional collateral in the event of default.  

I dont think I would have any cash flow from renting after paying me mortgage.

95% of the time we get the seller to pay for the warranty.

Tenant shall pay the flat fee of $_______ as an Early Termination Fee, which shall becomeimmediately due upon a deceleration of Default.

Owning a duplex at 20 is a huge accomplishment, and it’s inspiring to see you’re already planning your next move.From my perspective, real estate investing is a long-term game focused on building equity, paying down debt, and maintaining stability over chasing short-term cash flow.

I would rather invest in safe markets that produce a good return, then I can use that income to pay for a vacation anywhere in the world.I'm very pessimistic about the STR market in Hawaii.

15% down with no STR experience - you're going to have to pay a price for that.

I imagine this is a similar model to Redfin's associate agent program that pays by hour/tour.