Besides seller assists/concessions which the max's are 3% in PA and 6% in NJ, what are other qays to recover acquisition costs.I love to get great deals and maxing out seller assists, but i'm trying to acquire more and more properties.

I'm interested in finding a private lender that can assist me with the purchase of some residential properties and a couple apartment buildings in the Atlanta area.

Perhaps you are referring to the listing Realtor and not someone who you hired to help you find a home.The problem from a conventional financing standpoint is that you have multiple residences on one legal description which makes this a multi-family property beyond the "normal" 1-4 unit residences acceptable to conventional lenders. 2)What is typically done to avoid making a down-payment and/or paying closing costs.If you are asking specific to this property, there probably is no 100% financing option available so you may have to pass on this one.Generally speaking there are many programs for little or no down-payment and you should be talking to a mortgage lender about what you can afford and qualify for prior to looking at homes.As for closing costs, you may qualify for city or county down-payment assistance programs (which are more typically used for closing costs instead of down-payment).

I am just curious about this area and am very new to investing. Are there programs available through the state or Federal Gov't that can be a starting point for someone who does not have a substantial amount of income...

Assuming you don't go up in total amount borrowed (or total loan length) from house to house, and assuming you are making a true profit each time, and assuming you apply that profit to the mortgage, then yes, you will pay off your house more quickly.For this to work, though, the profit needs to be from your improvements (repairs) and not appreciation.

I would be happy to assist.

I recently started a home improvement company - albeit mostly to get my sparsely-employed-as-of-late-contractor-boyfriend off the couch..( He is great at what he does, not so at sales, marketing, follow up, paperwork, keeping books, which I am now handling, along with some light assistance to actual physical work)...Anyway I'm starting my first rehab shortly and was planning to just do the work (it's a light job) between he, I and maybe another guy we know.

Then they will all want to borrow money from you.I normally do not share what I am doing with family and friends unless they ask me directly.

---My favorite thing is catered breakfasts, with a beautiful view of Central Park out my window while I am giving comps in Gwathmey and Gehry buildings to David Geffen, and waiting for my black car to bring my assistant back from the bank with my deposit slips.

As dfwagent suggests, it is only fraud if you intentionally deceive the lender so that you can borrow funds you would not have been able to borrow otherwise.