Hi everyone,I am new to the USA and looking to invest in property with a long term goal to eventually replace part of my W2 income and also pave the way for my children to get a easier start in life.At the moment I am renting with an intention to buy a single family home this year.In a addition I have other cash - not much - that is sitting in a interest bearing account growing very slowly.

Check out the Lender finder https://www.biggerpockets.com/business/finder/lenders

And of course there are always full doc options that the entire global cash flow is taken into account not just the individual property.

Did you create this account simply to bash them or what you stated are actual events? 

Appraisers will take into account the amount of rents and also the local cap rate when determining value.  

I’ll have to check that out!

If the PCR (Property Condition Report) identifies the property as IE (Insurable with Escrow) the, yes, a lender may allow you to fund an escrow account at closing.

I would check out Citrus County and Holiday its next to the Gulf beaches and a lot of winter/summer attractions.

That would be around $90,000 sitting in a savings account!

I also provided several cashiers checks totaling $4000, which the agent claimed were for good faith but have not been returned.