Why not just advertise home loans for people with 20% down that have poor credit and currently employed. That would be a lot easier then buying and selling a home so you can earn 5-6% annually. There are cost associated with buying and selling real estate. If you don’t have the resources to buy cheap and sell high (flip), I would just do the loan side. I also personnally don’t think there are that many people willing to accept 5-6% interest only loans that have 20% down. You would do a lot better flipping a property and offering 1% down. Make them pay a premium on the house price and offer closing cost.