Both lenders, particularly the conventional mortgage lender want the borrower/buyer to have personal capital “skin in the game” invested in the transaction3. 100% financing, if obtainable, usually result in negative cash flow, which means capital out of pocket from the owner each monthThat being said, “nothing down” purchases are done, but this depends on the definition of “nothing down”.

It depends on how you measure "deals are better"  Some of the measures access to entertainment & access to business corridors which results in low vacancy rates.

My wife though is a high producing broker who closed 28 million last year but she has no time for BP LOL.. anyway carry on.. but dont put me in the Broker box. 

Knowing that prospecting can lead to results is very helpful. 

As a wholesaler, landlord, and very rare flipper, I can say going this route gets results.

My additional thoughts:-If you rent out one unit, what does the house produce? 

If so, with what results? 

MattYou can get 75% ltv cash out with a DSCR loan for the same rate/points and not have the hassle of producing taxes, paystubs or W2's. 

My overall plan is to keep this property long-term as an income producing property.

I have seen mixed forum posts on the Pocono area, so I am curious if Airdna matches up with the results that most of you are seeing.