Start with the list criteria that will put you in front of likely sellers.

I just started off in the market searching for knowledge, I would appreciate if you can give me some advices, thank you! 

Why not start thinking bigger?

So I am starting the loan process over again, for the third time.  

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Maybe when I'm an ol' head exiting the growth phase I'll start caring about paying them down, but I'll do that with cash flow not borrowed money.

Start with BiggerPockets Ultimate Beginners Guide (free).

Lates on a mortgage trade can impact your ability to get loans in the future. 

I've worked with some Canadians buying  here in Ohio.Indeed, rather than selling your stocks to fund investments (and lose out on any potential price appreciation and dividend payments, as well as incurring capital gains taxes), a nice alternative is to borrow against some percentage of the holdings.You would start with the brokerage where you hold the stocks and see what their loan program looks like for the account you hold. 

My brother and I have decided to join this community in hopes of getting a good start in the world of Flipping.