One cannot expect to be perfect on every aspect. In real life, you are lucky to be perfect on 2 of the 5 aspects. If you can get a house priced significantly below market, and cash flow is only slightly negative, that should be a great deal already. I would put down a small amount to stem off the negative cash flow, then, borrow the rest from banks. It's very unrealistic to ask for perfection in all aspects. If you are too keen on perfection, you may NEVER find a house. This is the same mistakes a lot of female friends make, they look for a perfect husband, must be handsome, smart and caring, in the end, they may not find him at all. The same applies to real estate.