The Home Builder's Survival Guide" – Tom StephaniOffers practical advice on navigating market downturns, managing cash flow, and staying profitable.Final ThoughtsWhether you're an investor looking to build wealth or a builder aiming to create quality homes, these books provide the knowledge you need to succeed.

We're seeing very few deals...both through the lending practice and for our own investment purposes, where a wholesaler is involved.

I am a mental health therapist in private practice.  

For property owners, it represents a practical way to generate passive income, enhance long-term asset value, and align with sustainability goals.

They told me that could fund my down payment and that I probably shouldn't tell my HML because they don't like loans for DP, which I am aware of but that type of shady practice also pushed me away.

3) best practices/rough guidelines on how to secure financing for your first property? 

At 20, you’ve got time on your side, and the fact that you’re already thinking about the European market sets you apart.I’ve been in real estate for years and here’s what I’d recommend to build a solid foundation Books to Start With (good no matter the market):* *Rich Dad Poor Dad* by Robert Kiyosaki – mindset & financial literacy* *The Millionaire Real Estate Investor* by Gary Keller – fundamentals* *Long-Distance Real Estate Investing* by David Greene – useful for investing abroad or remotely* *Investing in International Real Estate for Dummies* – very practical for your goalKey Tips:1.

If you’ve been putting off buying a home because you thought getting approved would be too hard, know this: qualifying for a mortgage is starting to get a bit more achievable, but lending standards are still strong.Lenders are making it slightly easier for well-qualified buyers to access financing, which is opening more doors for people ready to make a move.So, if strict requirements were holding you back, this shift could be the opportunity you’ve been waiting for, without repeating the risky lending practices that led to the housing crash back in 2008.Lenders Are Opening More DoorsBanks are offering credit to more people in an effort to boost activity in the housing market, including buyers who have lower credit scores or smaller down payments.

Agree with @Marcus Auerbach unless something unusual is in play like the sketchy lending practices we saw years back that caused RE bubble to burst I envision the ebbs and flows as more subtle based on supply and demand.

Disclaimer: While I’m an attorney licensed to practice in PA, I’m not your attorney.