Houston investor looking to creative financing

[Jamal Fontenot]

Hello BP Family,

So recently I closed on my first rental. Used an FHA to purchase got tenants in within the month. I'm currently looking to acquire another deal. I want to be able to fund this one using OPM if possible since my cash reserves are low right now. I have about 22k in equity in this first rental already. I've also thought of doing a hard money loan then refinancing out. I've ran into two small road bumps. Im uncertain of the refinance process if I just purchased the home( also, 85% of 22k in equity isn't much in the Houston market), I'm hoping to get a multi family. Other than get a hard money lender and refi out what other way could it be structured? Open to any suggestions and opinions? Still new to investing.

[Rolando Rivera]

My first deal was a "Subject-To". I took out a credit card with zero percent interest for 15 month. I will be refinance next year.