More than happy to talk through ins and outs of trust deed investing, as well as discuss Charlotte real estate market in general and see if we can help you focus on what is best fit for you in terms of investment strategy.

I did take advantage of the first year homebuyer program and after 3 years as my primary residence, I don't have to pay the first time homebuyer refund back.

Once agents realize you are a legit buyer, they will be working hard to get you listings that fit your criteria, instead of letting a computer do the work.

One strategy does NOT fit all :)

I see payments required of under $100/month, no alcohol, and offender aversion few day program.

A lot of it is naive residential brokers who beleive anything they hear and think they can make a life changing paycheck on every deal so they promote bogus programs and or "lenders".

There are loans out there for first time buyers, down payment assistance programs, etc.

If you do a short-term loan there are programs where you can increase the rate and reduce your upfront costs though.Is it your plan to only buy 1 investment property and pay it off?

Other cities do this already, though the program/requirements vary a little from city to city.

First let me congratulate you for making a wise decision by not blowing money you can invest on "guru programs".