My realtor linked me up with a lender and we applied for the VA loan for a 0 money down loan and we got into it for 3.875 APR, 30 year fixed for a total of $242, 548.

That being said if you know you’re not responsible enough to put the money aside every month for these expenses when they come due then leave it all rolled into your mortgage payment.

I think first off what kind of money is involved here..  1 acre prime commercial worth 500k or 1 acre of high AZ desert worth 10k..

Once I have a portfolio I'm happy with, I'd look into private money lending.

Probably we will lose money when we sell.. 

I fought like hell to keep the property as my brother and the lawyers wanted to sell it and put the money in the pot.

I live in East Idaho but do Hard Money in the magic valley as well.

@Joseph Turano Looks like a great deal and good use of low money down!

If that's what you really want, maybe a friend or family member would enjoy making some extra money.

Therefore, since this loan will end up sitting on the lender's balance sheet, you should be prepared to pay an interest rate that would make sense for that lender to have their money tied up without earning the additional income they would earn from selling their loans at a premium on the secondary market and being able to re-lend and keep flipping the money.