I'll drop my hopes of it being the next big thing haha.

It is easy to drop a $100k into one or do it slowly over the years which is what I have done.

In fact, state funding for public education has dropped in recent years from 45% to 38%.All the best!

The RI Housing first time homebuyer program page says "this loan allows you to finance 100% of the purchase price of your home".You're not getting much response on this because no lender that I know of is willing to lend at such a high loan to value, doubly so at this phase of the market where values may be starting to drop (meaning you have > 100% LTV).

@Stephanie P.No, I get those aspects of doing business.I’m talking about BS application fees of several bucks to get strung along and the lender drop the ball at closing wasting time,money, grey matter in general.

I think it’s a good place to start, build relationships and build some capital and maybe not get too ahead of myself with a potential market drop imminent.

That’s the difference, if you’re on a variable term you’ll pay 3 monthlyThe interest as your penalty, bank covers appraisal (unless you forget to tell them to), bank covers legal fees (if you stay with the same lender they always do this unless you forget to tell them to), so other than a couple hours of my time (tops, the only difference will likely be a couple new leases unless it’s around tax time and your NOA has shown up) I’m out at total of about $1500 on a $320k initial house purchase to finance it as opposed to drop all that cash.

Of course, the other failure point is that the package delivery personnel still can't be bothered to ring the bell, they just drop it and run. 

But then I dropped out of school and a lot of things go over my head.

Looking at buying multiple properties but am worried my debt to income will drop quickly.