It is a possibility that my Mother would at this stage gift me the down payment to take on a second primary residence loan but we are still discussing. 

I had an experience with Fund & Grow where they work on the customer behalf to get approval for 0% Apr business cardsthey have a PoA to work on the behalf of the Client which is totally fine - however Lender do not like that and one of the Lender - FNBO - that approved me for a Business Card with $ 15,000 at 0% Apr for 12 months - after 2 weeks sent me a letter reducing my credit limit to $ 3,000 and upon calling the Lender they told me the reason of the lowering was due to the fact they found out there was a 3rd party pulling the request of the business card.I explained that to Limitless Funding Source and I asked - in case some like this happens - your fee is 15% to be paid within 48 hours from funding but if I got let's say reduced $ 50,000 to $ 25,000 or lower I will know maybe after 2 weeks - and in the meantime I already pay you guys 15% of $ 50,000 which is $ 7,500 for your fee and then I have only $ 25,000 available with $ 7,500 cost which is a 30% fee - are you guys going to refund me the difference?

Hope everyone is having a positive Wednesday and looking forward to discussing some ideas,A

As of this post, I have not yet had my appointment with my neurologist to discuss the findings and route of treatment.

Let's keep this discussion professional, ethical, and constructive.Your input could make a significant difference in the success of my real estate ventures, and I'm sure it'll benefit others in the community too.

The HOA fees eat you alive and then assessments could bury you.

I have a duplex, with a separate exterior space that I have been renting out to other third parties who wish to park a vehicle or boat there for a monthly fee.

Otherwise, FHA allows college graduates to apply immediately upon employment, though there are some more fees associated with FHA and the mortgage insurance is for life.

Then you've got the license fee ($200ish), joining a local Realtor association (~$150) and national realtor association if required by your local board (another $150), the local MLS access fees ($300), e-contract software ($80/mo), E&O insurance (maybe $100/mo).

Nice Chart, The unfortunate part of your chart is that there are many more products out there that don't sell to Home Depot or Lowes for various reasons that I won't discuss here.