I have found some really good deals that i cant act upon because of lack of cash and i dont exactly feel comfortable with borrowing anymore money from banks or try borrowing from family or friend.

Did you figure in closing costs for the money you are borrowing?

Feel free to contact me as Imight be able to assist you.

I have a 401(k) that I can borrow from.

I hope we can be of assistance to one another.Eugene MooreOriginally posted by "Robert Burns":Don't know if I'll fit in on this interesting board as I don't deal in selling or buying real estate.What I do is buy commercial real estate notes.

Once you know exactly what they want it becomes much easier to assist clients.

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...