Why would you ignore that while putting all your eggs in one basket.I would put $100K down on a 2-4 plex, $100K into 3% CDs and gold stocks to weather this trade war storm (2018), and put the last $100K into my own business as a LLC that could be used in Year 3 to play in commercial real estate (5 units or more).In the mean time shoot for a 80+ business score and 720+ personal credit score while seeing if we're heading into a recession.

720+ credit score for 4 units or less and 80+ seasoned LLC for 5 or more units.Hold off on tax write offs on the rental two years prior to financingso that you can maximize your net income for the loan.

I can get #10 business envelop with return address and unique shipping address for .08 cents each (minimum 1000, all of them are)a folded 8.5x11" black and white letter for .08 cents each4x6", two sided, black and white post card printed for .24 centsWith this system, I'm stuck stuffing and stamping the letters, and stamping the post cards. 

I was told by a realtor friend that you can put as little as 5% down on a conv loan with no PMI if your credit score is 720 or over.

I want line of credit which when I applied at Wells Fargo was denied because I had my house debt of 120k.

I want line of credit which when I applied at Wells Fargo was denied because I had my house debt of 120k.

I want line of credit which when I applied at Wells Fargo was denied because I had my house debt of 120k.

The 1st would be to build credit by utilizing 2-10% (sweet spot) of available credit on your cards for a few to several months (to maximize your score) but two months before you apply for a mortgage pay all debt to $0.The 2nd larger issue is the student loan and the 1st step would be to get copies of your tax returns ready and fill out the paperwork to get on the lowest payment plan i.e.

The wild card in the deal was an unfinished unit in the duplex which was gutted down to the studs and keeping the value of that building low.

They have a set of rules to go by for qualifying you, but the rate/terms could vary from lender to lender.Shop around like you would for anything else.There is a Credit Union here in San Antonio that will pay up to$5k of your closing costs.