Getting Private Lenders

[Gary Wyatt]

My wife and I are wanting to get started in real estate investing. I do not currently have my real estate license, but intend to go if it is a good idea for real estate investing. I have read a lot of blogs where that person is supposedly doing well and they are lenders, but they never went to real estate school and got their license. What is your opinion on this?

If my FICO score is currently a 680, what are the chances of getting funding, either through PML, or crow funding? Is crow funding a bad way to go?

Also, do you know of any PML or crowfunding sources? If I get one, what do they normally charge in interest, and will they partner with those who have no money down?

The only thing I have as far as assets, is my home. I am really scared of using that as collateral in getting funded through either of these types of lenders. 

Thank you for any advice. All will be appreciated.