I don't currently have the capital so I'm spending my time educating myself and saving every dime and investing what I save to multiply it.

Using the lawyer’s usual form actually saves time and money and will ultimately be better than an internet form.

Straight mortgage 30 year but since I knew I wasn’t going to keep it I negotiated a higher interest rate for less money down and buyer credits at the table which saved $1000s How did you add value to the deal?

I'd rather them be managed properly then saving some money in cash flow.Thank you.

This frees up your cash to allow you to keep making transactions and allows them to follow the lender guidelines.For rental, there are lenders that will loan 75% Cash Out, and I have heard of lenders offering more locally out west, with a 3 month seasoning requirement for market value.For primary homes, or house hack strategies, a HELOC may be the best bet, as lenders vary, but overall some strategies will offer the best savings of all.

Right now I’m really focusing on fine tuning my finances, eliminating debt, improving my credit score, working on building a savings and educate educate educate.

They provide a lot of training/education and I get to be around some people that really put numbers on the board.Thanks for now I’m just saving to start 

I'm saving and shopping for my first multifamily property with the goal of house hacking.

The caveat to that being that if it is still vacant in December I would probably apply it to that month just because people always wanna save cash where they can during the holiday season. 

At least, you will save on not having to hire a plowing service :) We have properties with parking and without.