TALK ME OFF THE LEDGE-Trying really hard to get started

[Yolanda Gardner]

I'm getting a little frustrated and discouraged.  I need my BP family to talk me off the ledge.  I've done many things to try to get started with a buy and hold, and something always trips me up and stops me.  I tried a hard money lender, they wanted me to have $12k in cash to start, I tried refinancing my house, my personal credit score is stopping me at this point.  

I even got my RE license, but I'm still not able to get this horse to run.

Suggestions please BP family, I find your personal stories uplifting and encouraging.

HELP!!!