Another option for us would be buying in the Poconos.

Do they require you to pay the design fee or is it optional?

While no downpayment options do exist for first time home buyers, it is not completely a no down option.

Your options are either doing really thorough research to stay up to date or, even better, talking to someone local who knows the area and laws well.

If you’re trying to fund a startup, expand a side hustle, or jump on a new opportunity today, this could be a solid option.

Deals like that still exist here — it just takes local knowledge, strong underwriting, and a good team.If you’re feeling stuck between investing locally or going out of state, I’d be happy to walk you through both options and help you weigh the pros and cons based on your budget and goals.Let me know if you’d like to connect — I’m always happy to be a resource!

We do have great credit so sounds like I should look at the option of a DSCR loan.  

There are a couple options:1.

The options are:Buy 3 turnkey properties and rent them out.Buy 2 turnkey properties and 1 BRRR or vice versa Buy all BRRRs propertiesor have a mix of it all and have 1 BRRRR 1 Turnkey and 1 Airbnb My goals in real estate is to leverage what i have right now so i can buy more properties in the future and scale. 

That said, a few portfolio lenders, credit unions, or community banks in the local market might be more flexible, especially if you can show consistent income from the land contracts.Another option: bundle 2–3 of your performing notes and refi with a blanket DSCR loan, if the combined value meets the lender's minimum.Also worth connecting with private lenders open to low-balance long-term rentals—they’re usually more flexible on loan size and structure.Would you be open to creative financing or JV structures on future deals?