Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

I’m interested in understanding if a smaller down payment might be viable, or if 25% is generally the best approach to maintain a strong financial foundation.Thanks again for all the valuable information—this has been very helpful.Best regards,Liam 

I also work a full time W2 and have 3 kids in sports, so time is not always my friend.

My approach doesn't require any special expertise in trades to make the estimates only that you are honest with yourself about your estimates.

It’s inspiring to hear how creative finance has changed the way you approach deals.

Here’s a potential approach to balance both goals:1.

We’re upfront with sellers, letting them know we have no intention of buying the house ourselves but instead plan to wholesale it.This approach of honesty is so remarkably effective that we often don’t mention wholesaling until we've made the decision to wholesale rather than buy the property and flip it.What many wholesalers don’t realize is that by embracing honesty and transparency, success becomes exponentially easier and faster than by resorting to deception.With transparency, there’s no need to hide or pretend.

It's a flexible approach, suitable for both single-family homes and multi-unit properties, and can be tailored to fit your lifestyle and financial goals.It's important to research local housing laws and market conditions to ensure a successful house hacking venture.

As far as financing, I have considered  1) an FHA loan with a cosigner, and 2) going off market and approaching many owners about potentially seller financing.Any and all feedback, advice, and info on potential pitfalls would be appreciated!

A more granular approach, in which you segment by city block or zip code, is likely going to be more helpful.I’ll use Birmingham, AL as an example since I’m most familiar with the market.