I'm originally from AL (born and raised) now living in HI.

I am a 35 year old guy raised in New York base in las vegas nv interested in buy and hold properties starting out as a new real estate invester and interesting in learning as much as I can about real estate investing

To me, the big key is to get your occupancy up to at least 90% and then you start raising rents and charging tenants back for things.

The easiest option is to borrow the downpayment from other sources (401k, friends/family, low interest credit card).  

Now, I'm not a foreigner, so the to-good-to-be-true price immediately raised suspicions, but I contacted the seller anyway, while I continued to do a little research.  

Our Company's goal is rapid growth in the Home flipping market, we are always seeking to raise capital and find deals that can't be denied, after all, it's all in the numbers and that is how we operate.  

https://www.biggerpockets.com/forums/95/topics/174085-if-you-have-or-need-flood-insurance---fema-raising-fees-and-rates-april-1-2015Keep in mind the increase in fee from $25 to $250 may not show on those units if the flood policy renewal period is between today and March 31 2016.Also, I use some specialty flood programs that do not charge the $250 fee. 

Pass out cards, collect cards, and go from there!

If you do a pro forma with higher rates, then you'll have to raise rents to meet your pro-forma, and you'll have a vacancy problem them.

I keep paying my credit cards without missing payments.