wholesaling and private money lenders were things that other people have suggested to me. And J i have nothing on my credit. it is at a stand still. or as the bank puts it "unavailable". My score is 647. There are four of us trying to jump into this. My credit is the best out of all of us, but im the only one not working bc im a stay at home mom and my fiance works. My in-laws(partners) make good money, but they have a bankruptcy on their credit that they never followed through with. And it is not easy saving money when you have 2 toddlers so no...i do not blow my money. After bills there is usually nothing left, but my other partners have a small business already doing home repairs. They know a lot about flipping houses and estimations, construction, things like that. My father in law is a licensed contractor. I know how to market VERY well. And i am also going to school for interior design. So those kinds of things and actually getting a deal DONE is not a problem for us..its just starting off financially that is slowing us down. If that explains the situation better to you guys? Thank you very much for your information. I am overloaded and anything helps right now even if it is bursting my bubble lol. I guess we are going to have to wait until tax time and put all of our money together and go the hard money route. I am just so motivated and have bugs in my butt i didn't want to wait until then. I should have listened to my mother when she told me credit was important!