Well, it's really 20% deposit.
Yes you can get 5% but you'll pay.
But using your 10% figure. Work on this.
It's not about the $100k deposit. It's about your ability to pay the other $900k.
Having a partner helps. Massively.
Find something cheap and nasty. Renovate with low cost to make your life more comfortable. (Not to increase property value or you'll spend too much). And just upgrade every decade or so if everything is going well.
Not allowed to give advice here. But I broke the rule
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