This can be challenging because if the numbers work putting 3.5% down, certainly investors who can likely offer better terms will buy it since they will be putting 20%-30% down.

It was beneficial to spend time getting to know some Realtors & Brokers in the area as well as networking with some PMs prior to putting an offer on the property.

I did find one that would do the deal later but with the interest rate(9%) he was offering it made the deal unattractive.

BiggerPockets' Bootcamps bring you flexibility and tailored learning opportunities to supercharge your real estate investment journey.And now, for the first time ever, we're excited to offer TWO distinct experiences: Interactive Bootcamps and a new, Self-Guided Bootcamp option.

Consider a lending partner thats invested in your success, offering coaching and consultation to mitigate risks and foster mutual growth, which ultimately makes the loan less risky for all parties involved.

What I'm finding is have to stay active in submitting offers .

How much do you usually make an offer below the listed price?

I know fannie mae offers a 5% down one time close loan for a single family home construction, but now with the new rules, does it allow 2-4 units for this 5% down payment? 

(alternatively does Vanguard offer self directed IRAs?)

I have heard on podcasts that regional banks and portfolio lenders/in house lenders(not selling loans to freddie/fanny) can sometimes offer 6 month seasoning period for cashout refi.