From my data (and trust me... there are not many that know data better than I do), about 80% of my high;y motivated organic, off-market seller leads come from people... that have no issues.

Follow up question, would you suggest I try to get a business credit card on my own so I can get a down payment, I need around $40,000 

To add to this old thread... there are now Delaware Statutory Trust options that allow investors to directly invest with sponsors - which can avoid front-end loads. 

It is hard to trust anyone now days.

Then estimate what the mortgage payment would be.

In turn we agreed to accepting deed in instead of payment.

However, if you're looking for payment reliability, I'd recommend a slightly different strategy that aligns well with consistent income.Partnering with non-profit organizations that support vulnerable populations, like the Veterans Affairs or groups assisting people with developmental disabilities, could be highly beneficial.

Seeing how little of principal is paid off in the beginning of the loan cycle, my urge so far has been to throw what I have as extra payments chipping away at that mountain, but I’ve been also thinking lately if that’s a wise practice.

I renovated the property while he held title and assigned a replacement buyer in my place at the end to save on down payment and holding costs.

My monthly payment is 1,314 and the roommate pays 1k.