Depending on your income could you hold off another year before buying and just bank most of your paychecks in the meantime?

It just depends on what market you're looking for.

Our model doesn't depend on high appreciation.  

@Lori Guse It may depend on the state.  

Depending on your personal credit and number of partners, SunTrust does unsecured loans through their LightStream unit.

It's illegal to accept compensation for this activity without having a license.You can have a bird dog sign an option for the property and sell the option to the investor.Or, you can pay a bird dog per lead like $5-$10 per lead or 100-200 leads for $500.You can't pay a bird dog a commission or have the pay depend on if the deal closes.

I rather depend on that, than their fear of not being approved and potentially fudging the numbers.Also, I ask for more employment history.

@Jimmie Feaster,IMO it 100% depends on the quality of the house, and who is selling it? 

So, it depends on the specific tenant’s situation.

Maybe you just need to find the right realtor to work with.It really just depends on your specific needs.