One definite: Skin in the game.

I love the active and lively nature of this community!

If they don't have any skin in this deal then it is a very high risk investment and you may end up picking up the pieces when it falls apart. 

I see the major investors that own hundreds of these in my areas being way more hands on than I want to be, so is there a way to build a portfolio of low income housing without it becoming a job because of it's high maintenance nature?

You'll likely need to get creative to structure their return in a way that the bank will allow (likely a preferred return  where they are not "guaranteed" fixed timely payments but instead are promised the % return but it is only payable AFTER the bank is paid and when the cash flow allows...you still owe them the agreed upon percentage but it doesnt have to be paid out until the property can afford it.)...this is just one idea...there are literally thousands of ways to skin this cat! 

Since the insurance company wants to keep the premiums the lowest possible, they need to budget for the worst-case interest rate and the lowest amount of premium that will allow the cash value will grow reach the death benefit by the time the client reaches their natural life expectancy.

That's the nature of the game we're in.

Even if you use zero natural gas.

@Christian Scully thanks for that, i just spent the day thinking that i planned for the firsthome loan because i tought i was going to need the down payment assistance, but im doing way better than i planned so now im thinking if it will be worth it going that route at all.i mean, i'm going to have by november close to 30k available so if RHI puts too many restrictions with that loan ill maybe go the BRRR way, thats what i really whant to do, only setback there will be i dont have skin in the game to get a hard money loan, a friend recommend one that loans to inexperienced buyers.

wanted based on budget  finish basementdriveway.Now that I found the first BRRRR property that i've come across after 6 months because it seems like everyone does something to fix and flip and i haven't met my savings goal to get my skin in the game idk what to do. i don't want to let the deal just slide by, i don't have enough cash saved to get a hard money loan. i was planning on going to two local REIA at the end of the month but someone will probably snap it up by then.