I'm an investor and mortgage broker and have options for loans that go as low as $75,000 and down payments as low as 15%, which makes it easier to stay above $75,000.

@Geovanni Cano sellers don't like FHA, it is meant for people with little money and very low credit score, plus you have an FHA inspection which can derail a deal a week before closing, nothing the buyer can do.

I feel this gives me the flexibility to find the right solution for my client and not just sell what my bank offers.I'll also throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).

It’s just more than I can afford, and I don’t want to offend you with a low offer.”

Keeps costs low and guests satisfied!

One fast way to generate cash flow is to invest in high cash flow, low appreciation markets (say several midwest e.g.

The current rate is extremely low.

I applaud you for putting it out there but 1) maintenance/cap ex is far too low for a duplex 2) no PM. 3) vacancy at 1% will be challenging if achieving near market rent.

An emergency fund needs to be liquid, and immediately available to you in addition to being low risk and protecting principle. 

Myself, I specialize in Section 8 and low income properties.