But you can go up to 85% LTV (15% down) on a 4 plex purchase with a min. of 680 credit score.

The primary determinant as to whether you can buy real estate is going to be your credit score.

I’m only 20 years old and credit isn’t all that good.

I would then shop around for different hauling companies to get the cheapest price you can and i would check into if you need dumpsters or not, you may have to pay your own hauler but may still be able to put it in garbage cans. one thing you should look into though, if you now have to pay separate for garbage removal, make sure you get either reduced taxes or some kind of credit back every year from the town for the change. i know the town that i live in does that with commercial properties.

We were all set to close on the sale of my flip until my buyers lender decided they needed a few more conditions cleared: It is a high interest (8%) jumbo loan with 10% and low 600 credit (640 maybe?).  

I have no credit card debt or any other debt (ie car  payments, student loans etc).

So glad you've already plugged into the Bigger Pockets podcast - that was a huge source of education for me when I first started.If you haven't already, I would recommend finding a real estate agent that you trust, and also start talking to lenders (banks, mortgage brokers, credit unions, etc.)

They even have "property tax and history" listed as a topic on the public records request page.One of the great things about a small county is that you can call the Assessor directly and talk to him. 

I am currently self-employed, have a down payment to invest and good credit. 

Hi Alfred,It sounds like there is some gray area here, but I don't think the PM should charge you 1/2 month's rent for running a credit/background check and then drawing up a lease.