@Heidi Christensen  Yes, combining seller financing with a bank loan.  5% down, 15% seller financing and 80% bank loan.Key points: had to be a commercial loan, this won't work with conventional lending. 

Anyway... we're wrapping up the bulk of the major projects, but a few spots still look like crap.

Make sure your employees are good at Tetris as this skill is needed to make everything fit in the car.You could also offer an "Oh-crap" service to pickup and ship things they left behind or to pick up their dog's crap (sometimes even their own crap).

Crap like:Oh your note is 60% LTV with 3 years of solid payment history at 8% interest?      

That being said, try to pay your balance off in full every month.2) Number of open accounts can hurt you, but can also help you if; 1) you maintain a zero balance, and 2) you have "time in credit" aka it's been open for a while (years).3) Late student loan payments, exceeding 60 days are bad, exceeding 120 days are crap...4) Outstanding balances, judgements, etc... try not to have thoseBut most importantly, you need TIME.

Quote from @Neha Mulkar: Hi BP Community,I wanted to share an update on our real estate journey and hopefully get some feedback or ideas.Here’s the situation:I currently have $30,000 available for a down payment and closing costs.My daughter is a junior at Georgia Tech, and we pay $6,000 per semester toward her expenses (around $12,000/year).We’ve been thinking hard about how to combine supporting her education with starting our real estate investment journey.Plan:We’re now looking to purchase a 4-bedroom apartment or townhouse in Westside Atlanta (30318 area).

In my analysis, I estimated the annual insurance premium as if they were combined, then I learned that the 1 bed 1 bath must be insured separately.

What really drew me to this project was the chance to combine strong, predictable cash flow with a mission-driven purpose — creating housing that changes lives while producing sustainable returns.

What really drew me to this project was the chance to combine strong, predictable cash flow with a mission-driven purpose — creating housing that changes lives while producing sustainable returns.

it works multiple ways; as a flip or a buy/hold or a combination of the two.