If you're looking to live in a property, you could come to the table with much less money.

We do have a seating area with a table, plates, and utensils.

My main concern was leaving $ on the table due to tax implication which I thought (but wasn't sure) would be the same.  

You can listen to the herd, take your chances and make from losing money to a small amount, or you can keep your money in your pocket until you know what a sure-thing is and how to find the sure-thing where you can make 50% to 100% on your money, every year.For 5% annual return, or a $200 to $300 per month cash flow property where I have to invest $50,000+ with hundreds of hours of work to purchase and manage, I will be far ahead when keeping my money in my pocket and wipe tables at Mc Donalds since minimum wage in many areas is $15 per hour and I can earn an extra $400 to $600 per week, or $20,000 to $30,000 per year vs. earning $3600 per year on a whim that came with anxiety and will put me in an early grave. 

If you can avoid 5% down (and you actually pay that money at the closing table), the funding fee doesn't go up.Tons more we can talk about if you're interested, let me know.

Like any of you are even seated at a table important enough for it to matter. 

Unless there's something unique about their situation, the CPA is dead wrong.

One thing he told me was, “A man needs something to talk about at the dinner table, but should never be home for lunch”.

Most guest asks the same questions however I find myself still having to add minor changes to my responses based on their unique needs.

Ask what that specific agent is bringing to the table.