It is easier to buy a home in a price range of $100K+ range that either has enough equity after renovations or appreciation to pull out a LOC or cash to use for the down payments or to purchase "All cash" for those deals under $75K.problem with low loan amounts is you will be maxed at 75% LTV and doing a cash out refinance on a $50K home is going impossible due to most lenders having a minimum loan amount. 

Also with where the rates are these days, interest-only really doesn’t save you much monthly unless you have a very large loan amount.

I would like to buy apartments in barcelona and fix them up and rent them out long term or flip them. 

There are still some deals for flips, but numbers are tight right now - last deal I reviewed last night was only a 5% COC assuming everything stayed in budget - we decided it was not worth the amount of capital at risk for that type of return.  

These violations are to fix porch, roof, and masonry work. bids that have received are totaling up to $150k.I'm looking to see what options are recommended to finance that additional rehab work needed to clear violations. 

Had to fix a plumbing leak and replace subflooring in kitchen.

It certainly is more than SF Bay Area, but is not anywhere near the 1% model.The last property I purchased was in Nov 2021 and my model, which is very conservative, showed about a 1% CoC with 75% LTV on a 30 year fixed at 2.75%. 

If you're focused on your clients instead of your back pocket this all works out how it's supposed to.What we cannot do in Houston at least is put a listing in MLS with no BAC - I've called HAR before and I believe they said minimum commission amount allowable in MLS was $1.

Property is cash flowing and we have long term fixed rate debt.All good.

Asking is $200K, my relative (buyer) looking to put 20% down.He is pre-approved for the amount, lender has prepared both a conventional loan and a mass housing loan option for first time buyers.Would be purchasing as an owner occupied "primary residence", rates are decent under both options.Condo is currently rented, tenant lease expires the end of August - roughly 4 months.Lender says both loan programs require buyer to occupy the unit within 60 days, to qualify for first time buyer deals.Is there a way to get them to extend this to 120 days (4 months) until the tenant lease is up?