Likewise there could be a perfectly renovated house that's worth $100,000.

Lots more hand holding and guidance through the process.In the end it is the seller's choice if they discount their price or not, but chances are they are still fully compensating their agent, based on their listing agreement, not because the buyer is unrepresented.

But I also have a large network of individuals that I would be happy to connect you with, if I am not the perfect fit given your family members specific situation!

Smaller towns may just have 1 choice. 

Critics of this method sometimes struggle with this aspect but when you consider it along with the other theories it makes perfect sense.

@Joe HuberCo-star data isn't perfect, and all datasets are subject to outlier effects, so I wouldn't put too much stock in the actual 15-25% number as much as the directionality.

Hi @Edem Ahlidza, this is really a personal choice on what changes you would want to make if any. 

It's a perfect place to start your real estate investing journey.Read Beginner’s Guide to help you get started: http://www.biggerpockets.com/real-estate-investingGood luck on everything!

The problem I'm running into is the amount I'm pre approved for is the max income to debt ratio the bank is allowed to give a loan out for, to individuals (43%), which is fine because in a perfect scenario as long as the property is cash flowing every property bought will lower your income to debt ratio, making it possible to keep buying property's.

I can tell you this, if everything is perfect - all syndicate partners have great credit, you have plenty of reserves, relevant experience, a solid business plan and financials, and Feasibility and Environmental Studies completed in the area you are looking to purchase or develop, all with at least 1 US citizen sponsorship... you may be able to get close to 4%... maybe.