No down payment is hard to find. 3.5 percent on 30,000 is only $1050.
1. If the average value of 90032 is within 15-20% greater than 30,000 there might be a good chance it is possible.
2. If you had $30K of your own money, then you could look for homes that need repair, fire damage, water damage, mold. Properties banks do not want. Better chances of getter a good discount
3. Banks like ot get market value for homes. You can sumbit contract for the price you want but it takes time to get the price you want. This is a more complicated process.