[Because unless/until she does open up to being comfortable borrowing, it means she's NOT interested in "BIGGER pockets", so can't really be helped from this website].After all, if she had bought an equivalent Duplex YEARS ago to the one she can't now seem to find a Lender for (ie. if she had created credit like "normal" people and borrowed between 75% and 96.5% instead of worrying about obtaining six figure savings first), it would likely have been a lot cheaper then (so maybe could have been paid off by now anyway - or, excess income could ALREADY have been invested).

Investors have more appetite than home owners.

We are developing a Commercial project next door and this is excess land that isn't very attractive for other commercial tenants due to the layout.

Both of these are like slightly less well off continuations of their neighboring suburbs, and don't have excessive amounts of blight or crime.2) I'd recommend a single family for your first investment.

I would probably talk to some of the local banks first to see what their rates and appetites are.

Their contract stated that they needed my go ahead to spend anything in excess of 100$.

IE wholesaling but that takes money and major sales skills.. and a market that has a lot of excess inventory and rental inventory.. it really depends on where your living and working.. all the guru training materials say just about the same thing there is nothing brand new .. just the same methods or schemes repackaged and regurgitated to enduce those who want it all now and are willing to pay for fast track.think MLM..

depends on your appetite for risk.

I stay away from areas that have excessive violent crime, and areas that aren't close to freeways or employment centers.  

The best thing you'll get from some of the intros is a few useful materials that will whet your appetite for more information.Your money might be better spent if you can partner with a mentor or coach who can walk you through your first deals in exchange for a fee.