You want the mortgage lender, YOU CANT HANDLE THE MORTGAGE LENDER!

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Hello Names Christian,

I bought my first personal home when i was 20, fast forward a couple years later and my credit is in ruins. I'm currently in the processes of establishing my credit to get a loan from my mortgage lender for my first investment property and have verbal agreements (nothing set in stone) for a hard money lender for repairs. 

Anyways is their another way to obtaining a loan for a property other than going through your typical mortgage lender? other than having a butt load of cash on hand?