No money down with a 620 credit score

[Murat Caliskan]

Hello BP community. My first post here and very excited. Any informational help will be appreciated.

Long story short. My first house with FHA bought in 2016 which is a 3 unit multifamily. And the 2nd house with %5 down conventional loan purchased in 2018. Doing Airbnb in all 3 units in first house and luckily that fully pays the mortgages in both houses. But just because we did a lot of renovations and decorating using our credit cards nothing left in them and credit scores went down drastically (mine is 620 right now). And everything I make in my regular job only pays our life expenses and the cards. So nothing's saved so far. I am really dying to quit my job and start investing in real estate knowing the potentials and desiring a more quality life with wife and 2 beautiful kids. Being in restaurant business 40 hours a week totally prevents me from that. My idea is buying another multifamily house with 2 or 3 units and running an Airbnb in it too and keep investing in real estate. I am sure that lead us to financial freedom. I wanna free the HELOC on our 1st house for downpayment but my wife is totally against it. I know it's possible to get funds from private or hard money lenders but since I'm new to this I don't have much idea how to accomplish this goal being in the situation that I'm in right now. I am really driven, wanna make it happen. And again any informational help will be highly appreciated. Looking forward to all the responses. Thank you all in advance.

Murat Caliskan.