Can't find a way to get a loan or know the type of loan to look

[Olivia Vanover]

Hello,

A few years ago, I flipped a couple houses in Houston, TX and also I bought a couple of houses that I currently rent. I bought one as an investment for rental purposes and the other one was my primary home, but ended up renting it.  The latter one is a $370,000.00 home that rents for $2675.00/month (completely paid for). I am planning on selling it this coming Summer when the contract is up to buy a couple single family homes that cash flow better than this one. Both of my houses are completely paid for. I am looking for a way to get a loan to buy a house sooner than this Summer, but I am having a hard time securing a loan because I did not work the past few years. I currently have a job and I have savings but do not want to use it all to buy another house. My goal right now is to buy and flip, but long-term (in the next 3-4 years) is to have several rental properties.  Any ideas on where to find a loan or what kind of loan should I be looking for?

Thanks in advance for the help!

[Melvin List]

@Olivia Vanover I would try conventional lending WAY before I would reach out to a hard money lender in your situation.  Some lenders might require a full 2 years of employment but having a gap of employment can usually be satisfied with a good letter of explanation for the underwriter.