Unless you have inherited wealth, most of the paths to financial freedom include the judicious use of debt and the risk associated with it.

To be able to do MLS searches you will need to be a member of NAR along with local associations as well and the MLS.

I would suggest you contact the California Association of Realtors and see if they can give you advice.

Check out the Georgia Real Estate Investors Association for local education and networking. 

This will require the borrower to pony up the money (max $10k) at closing in addition to their down payment but it avoids the extra costs associated with the FHA 203k. 

@Mark HornLet's start with this quote from the head of the American Banker Association:  "You're going to still owe the money.

For example, on the standard lease form that my state's Association of Realtors puts out, there's an area to list any maintenance type items that the tenant is responsible for. 

@Ron Singh - Since MOST of the fees associated with closing costs are the same between lenders (i.e, title, taxes, attorney's fees, recording, etc.), the main thing that differentiates one lender from another is their closing cost fee.  

.); (B) insured under section 255 of the National Housing Act (12 U.S.C. 1715z–20); (C) guaranteed under section 184 or 184A of the Housing and Community Development 3 Act of 1992 (12 U.S.C. 1715z–13a, 1715z– 4 13b); (D) guaranteed or insured by the Department of Veterans Affairs; (E) guaranteed or insured by the Department of Agriculture; (F) made by the Department of Agriculture; or (G) purchased or securitized by the Federal Home Loan Mortgage Corporation or the Federal National Mortgage Association.

“In the short term, you can imagine if everything returned to normal, there are protections for people’s housing with a moratorium on evictions,” said Rob Warnock, research associate at Apartment List.