You will need to come up with the down payment (lenders want you to have skin in the game). 

As with most things..... a million ways to skin a cat. 

Solid plank vinyl or good quality laminate (in non-moisture environments) is excellent and lasts far longer than carpet, and is able to be repaired.We find that most tenants appreciate the hypo-allergenic properties of a non-carpeted environment.Just a thought for the future...

They have more skin in the game then you do.Make sure you get clear title.

They have more skin in the game then you do.Make sure you get clear title.

I feel its more ethical to have some sort of skin in the game.

My first purchase I used a partner to obtain the bank financing as well as the down payment so I was zero out of pocket on my first 4 or 5 deals (all of which with purchase prices well under $200k.There are many ways to skin a cat so if you don’t qualify for the traditional bank loan, get creative but in doing so, be very careful in using OPM.

There are a couple of other ways to skin that cat depending on the situation and amounts. 

It looks like persistence, consistency and a thick skin can get you through the door. 

If anything has been permanently affixed to, or modifies the original 'skin' of the home, it won't be good news for the bank loan.