So after speaking to tons of lenders and being shot down with the 30% down deposit and 9% interest on a loan that needs to have a minimum cap of 150k, how do I jump this hurdle and find a deal while all I have to put down is 30k? Or do I just sit around and wait for interest rates to go down? This is so discouraging. I keep hearing how everyone is investing but it seems as if all doors are being shut in my face. I thought I could head to purchase a mobile home in Florida with cash, but I've been told by all mobile reps, mobile is not the way to go with rental cash flow due to the lot cost, then I wanted to try Detroit, but all the houses their looks like they have been burnt down. Now I headed to Indiana where I was told to look into Terre Haute, Indianapolis, but lenders want to give me a loan where I get no return and to purchase a property just to sit and wait for it to build value.  at 9% interest nonconventional, so much underlining that will make your head spin by the time you are done talking to one. Is this only me, or are there others out there that had similar issues but overcame this dilemma?