Additionally, I received a counter of 83% today on a once reduced property today. 

I’m planning to update and repaint, maybe increase rent on one side to 3000-3100 while I live in another unit and replenish to legalize garage space.Monthly payment: $7033. landlord pays for water, everything else is separate.It just feels very tight in the beginning before getting ADU gets legalized. 

Meaning I was not a good candidate for his student profile.Here is my background info that I gave him.1) I have 2 homes, I live in one, cash flow on the other.2) I have little reserves, <10K but building up quickly.

@ Scott P and Wayne Brooks - Really appreciate the additional context and feedback.

Additionally, other lenders are offering either a 70% LTV or unfavorable rates at 80%.

I know that can be a trap for many now, because, to put the shame of their impoverished pasts behind them, they take on oversized mortgages and car payments and loads of lifestyle expenses that keep them living paycheck to paycheck forever.What have you had to unlearn along the way to achieving your own goals?

You can do it with a location name (primary bedroom, living room, etc.) or with numbers.

Additionally, our strategic marketing efforts highlighted the property's new features, attracting buyers quickly.

I am living proof.

1) Use a solid title company that won't insure everything 2) Buy only from legit and solid wholesalers / agents 3) If you can find out if the real seller still lives in the home that is helpful  -  get the story and try to do a little investigation yourself 4) Make sure the seller has a real and recent water bill - We can help you with that also so you don't get stuck with $2000 or more after closingI hope this helps you all because it is an amazing city to invest in.