Have you considered moving to a cheaper place?   

Hello All-I have been wholesaling and also investing in cheap buy and holds for the past three years or so and have managed to purchase 5 houses with cash.  I need to start moving away from purchasing these properties...

IN most states unless your licensed your not legally allowed to take points.. in lui of that you can raise your rate... most folks going to private lenders as we are discussing are looking for cheaper money than the local HML ing shop... but its negotiations at that point.Land loans are to be avoided unless again you want to own that land... these are the most risky .. and most lenders will not go over 50% LTV I would not do that and I would want significant cash into the deal...

Hello to all,I hope is all well,I also Started to look into multi family and do house hacked with FHA .Yes @Michelle Elsaid most of the multi family that are cheaper are located in higher crime areas but if you get lucky you can find something good but you better act fast since Orlando is very competitive  .I found one opportunity but a wholesaler got ahead of me :/ in the west side of Orlando.I do think its possible to find something in Orlando for  a multi family house hacking.

A lot refer to hard $ lenders, but for a long term hold you can have a cheaper note payment and amortize it longer than going through HML.

Out near the junction might have potential as there are some cheaper places... 

Even PEX should be much cheaper.

I have a lot of examples but some of them are things such as; the contractor using cheaper materials, do not follow building code, and/or producing a lower quality product.

Throw in $1k for title fees, another $600 in lender fees (again, I'm guessing this is all cheaper in TN), oh look now we're at 20%.

It is my understanding that if the property is owned by an LLC, then the profit is reduced by an additional 20% before it passes thru to the members personal income. in effect, only 80% of your income is taxable... unless I am missing something.