No money, fair credit, no lenders

[Anthony Walters]

Hello,

I have a very stable job making great money. I have no money saved as I have expenses, (I am trying to cut back), and past medical issues that ran m y credit to 630. I have been reading and following blogs, BP, REI groups, etc. for the past year.

I reached out to several mortgage and hard money lender. None of them said I could get a loan with 0 down and a 630 score. I have been researching my area for houses I would like to either flip or buy and hold. I am ready to do the work on renovations, etc. And. I have a real estate agent as a colleague, and many friends or acquaintances in the construction/contractor business.

How do I start? I see properties on zillow, then I read that isn't a good place to look. I search the local mls directories, but agents call or email me wanting to know what I want to buy and email bomb me.

Am I out of luck being broke?

Where do i find the "great deals"

Any help is appreciated.

Thank you!