Its not always easy to come up with the down payment.

Once you do, begin the termination for non-payment process that your lease (hopefully) spells out.   

Might as well cut the middle man out and go directly to the source. 

The larger downpayment you can put down the lower your payment will be and ultimately will save you thousands or hundreds of thousands of dollars in interest.

I'm current on my loan and have never been late or missed a payment.  

With a substantial down payment, targeting the suggested price range within Raleigh limits is not only possible but strategic, considering the city's job growth and vibrant community.However, as you've wisely pointed out, the expansion towards outlying areas like Selma/Smithfield and Benson brings both opportunities and challenges.

Or they can keep, and the cash flow will significantly higher than than the P/I payment. 

First thing as you don't want be cutting into drywall, digging up concrete when you are completed.

Interest rate is at 4.75% and the mortgage payment is slightly less than the market rent in that area.

In other words, it’s income that you earn passively with minimal effort and involvement.Strategies To Generate Passive Income1.Rental PropertiesRental properties can provide a steady stream of passive income through rent payments from tenants.