Funding

[Enrique Vance]

Hello, I live in the Tucson area and would like to start investing in real estate. I just bought a house for 106K and my loan officer said It was appraised at 120K (most of the like type homes in my neighborhood are selling for 140K) I would like to buy a second home or duplex to rent out, I make about 40K at my job so the bank will probably not loan me any money to invest. I thought about a hard money lender but I only have 3000.00 in savings and an 7000.00 in open credit through credit cards. Besides that, I'm a little hesitant as a newbie to be using hard money lending. Any suggestions as to how I should begin?