I am 23 years old and would be putting 80% of my savings on a down payment, but will be getting a bonus and a raise at the end of the year, and am also taking on some other work to make extra money.

Possibly start advertising that it's a 6-month lease with bonuses included, 1 month rent discounts, big TV giveaway with successful tenant placement?

A bonus if they can also do some "handyman" work.  

Added bonus, you can find homes that have mold issues and do the remediation on your own.

Higher values are nice,  but that's a bonus years away so I set that aside.

I own a cabinet company that handles a LOT of the bigger production builders in town, and while there is a slight summer bump, we run at a pretty even pace adjusted for growth with December actually also being one of the busiest months "builders trying to get their year end unit bonuses".Do you prefer building houses with empty lots in an existing new subdivision or on a regular street with a row of older houses??

They did give a 20% interest bonus this december since business was good.

Hi @Chris Jargens,I'm not going to offer a direct answer to your question, but I'll offer some "bonus points" for that property: - Duplexes come with a rate bump and higher conventional loan down payment requirements. - SFRs w/ ADUs do not come with that rate bump or the higher conventional down payment requirement. 

If the rates come down in 5 years or whatever, then that’s a bonus.

A buyer's agent bonus?