In decades past, carriers were allowing people to carrier lower limits of insurance on their properties. 

Again you can buy more properties in lower asset class area, but it's less efficient.There are many threads about appreciation, so i won't repeat it here, but my guidance to you is to think through the difference between appreciation and inflation. 

You'll get a feel for the age of the neighborhoods, the vitality of the commercial buildings, the ease of location, the closeness to jobs.The markets you're describing are more linear, and usually have lower capital appreciation.

Thus, your profit margin is lower (than the all-cash offer), but your ROI is higher.Savvy or more experienced investors may have access to Private Money.

Are there any options for lower down payment loans in general or even for college students?

That gives you a great advantage to the lending investors are getting here in the states with the much lower interest rates. 

I have noticed a lot of investors are seeking out cities that are offering lower priced lots and simply adding a Modular or Manufactured and capturing a very nice cash flow.There is a new trend starting in Florida and in other states where an investor buys a piece of land or lot and add a 'Tiny Home". 

The entry price is too high.The trick is to get the second acquisition at a lower entry, so you can rehab and refinance 100% entry costs out.

So I agree that a private law suit may not be financially worth it for someone that invested a lower amount of capital, but we can see that there are people that have already posted on BP that they invested huge amounts like $850,000 for one person, and >$1M for another.

Basically, lowering the sale price as long as the buyer pays all the owed taxes as well.