I currently have a business partner that I work with that is currently generating 95% of the cost for our flip projects. This is either from cash or private investors that he has on his end. With me only being able to provide 5% of the cost this allows only for a small percentage of returns on my end. My credit score is typically anywhere from 660-690 and I currently have a mortgage on my credit so it is kind of difficult for me to get approved for a loan from a bank. I was recently approved for 2 rental properties by a bank but I think that is because the properties are turn-key with an attractive NOI. When the bank advised me that they could work with me on the properties I presented an alternative offer of property that was for sale for 35k that needed about 70k in renovations and comp was selling for about 160k on the area. I had my business partner compile the offer with the renovation estimates and the information on the comps but the lender stated that “we mainly do those type of loans for people with tons of real estate experience because people can get into a lot of trouble if they don’t know what they are doing.” I reassured him that my partner has more than 2 years of experience but that wasn’t reassurance enough for him since I have only been in real estate since around May of this year. I knew it would be a long shot but hey I figured it wouldn’t hurt to try. Current project: 239 E Newton Pl, Tulsa Ok, 74106. 1910 sf, Purchased for 27k at auction in June 2018. Renovation cost are currently at about 90k. Bank appraised at 200k. The house is a week out from being completed and ready to list. Recent comp is pending sale. 1309 N Elgin Ave, Tulsa Ok, 74106. 1416 sf, pending sale with listed price of 160.9k Next project: (Waiting on business partner to send address). Purchase price was 120k from wholesaler. Will add about 100k in renovations and bank has appraised for 325k. The house is located in close proximity to The Gathering Place which increased the value of the surrounding neighborhoods. Recently Purchased: 1342 N Denver Ave, Tulsa Ok, 74016. Purchased at auction for 45k. This house has not yet been appraised but our associates have done many houses in this neighborhood with sizable returns. The house is located in the Brady Heights district which is an historic neighborhood where the property values are increasing. With me having so little cash to invest I am missing the opportunities to earn more profits and also the ability to assist my partner in completing multiple projects at once. If anyone have any recommendations on a great HML I will greatly appreciate it. Thank You