I have made extremely useful connections on here.  

2) I bet you could draw that same or even more extreme graph for new car prices.

Verifying last 2-years of rental history and income/employment extremely important to find the “best of the worst”.Tenant Default: 20-30% probability of eviction or early lease termination.Section 8: Class D rents meet program requirements, often challenges to pass Section 8 inspection.Vacancies: 20%+, depending on market conditions and tenant screening.Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciation.Where did we get our FICO credit score information from?

You would benefit off all my skills and determination to be great. and I would benefit from your capital because I live in Hawaii and it it's extremely difficult to save capital 

Hi Deonte,For both scenarios you're considering, lenders will typically require some form of down payment or equity—100% LTV is extremely rare unless it's a very unique relationship or cross-collateralized deal.For option A (lot + build):A one-time close construction-to-perm loan is possible, but most lenders will want at least 20-30% down based on total project costs.

Living in a home you are renovating while balancing a full time job in mortgage lending is extremely challenging.

One would think that there would be an extreme emphasis on evicting the tenant immediately...

Verifying last 2-years of rental history and income/employment extremely important to find the “best of the worst”.Tenant Default: 20-30% probability of eviction or early lease termination.Section 8: Class D rents meet program requirements, often challenges to pass Section 8 inspection.Vacancies: 20%+, depending on market conditions and tenant screening.Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciation.Where did we get our FICO credit score information from?

I bought a 5 year old town home as a primary residence last year and have been extremely happy.  

If so, fair warning, it is extremely saturated.