My one million dollar idea during the time of turmoil is, if you have a good credit, offer rent-to-own options for home owner seekers. Generally these are the people with bad or below par credit scores. While they might not able to get a large loan to cover the 80% mortgage, but they can scram some say $5,000 dollars as their down-payments for your rent-to-own business. Of course this will be yours to keep, if renter decide not purchase the house after the grace period.  The good part is you don’t need to purchase the house until you find a renter, the flip side, the reason I am not able to do this right now is, I consider this as a long-term investment, if renter relinquish the properties, now you have to find additional renters, and I prefer to do this type of real estate once I find a more permanent residence.