The median home price is also very low nationwide which creates a low barrier to entry.

Are there any lenders who are lower than this, I've been brokering myself.

I’ve been working with several lenders for DSCR loans, but I’ve found that the fees are quite high, with minimal benefit in terms of lowering my current interest rate.

Quote from @Evan Polaski: @Chris Seveney, I hadn't looked at any details on this offering into now.Things to consider from their own marketing:Operating partner has done all of 10 flips.Their entry price point is a price that I would expect any truly experienced flipper to be able to take down very easily on their ownTheir historic IRR, while high by MF standards, is average, at best, from my experience with flips, and it is unknown if this is net to LP returns.I have flipped homes myself, so am not their target investor.  

I do not have to do anything right now, I just need to learn, wait for the right opportunities, or create them - for example by trying to use subject to and take over someone else's payments who locked in a lower interest rate from a few years ago. 

I will be lowering the asking price and seeing if that will help in the sale of these properties.

Since I have a fixed-rate mortgage, I understand this wouldn’t lower my monthly payment but would shorten the loan term by reducing the principal faster.

Lower the price2.

A HELOC offers flexibility and lower interest rates, which can be ideal if you’re looking for short-term financing with lower payments during construction.

There a handful that can do lower  than 620 at 50% LTV, however the rate will be very high My current score is around 670-680.