It will likely still continue being a difficulty.You mentioned bills, are they credit card bills?

Detached HousesWhen in doubt, consider the tried-and-true detached single-family house.

Is this true?

To answer your questions here though:Alternative options - I was going to sell all my stocks and etfs, take out a HELOC, and some credit cards to try to shoestring together enough to the deal without a hard money loan. 

If that is true I think you're on the right track. 

Not true.

And, I don't know if it's true that "most" investors jump to multifamily.  

2  - I often read about some wholesalers lack of knowledge and I must agree that sometimes, it is very true.

Ok so a diff path then my previous post.I also wanted to invest in real estate but just assume( and bet is probably true) that most of the people that find truly good investments have  either or all of the following the most "average joes" don't:1.

If your looking to invest and learn about notes PPR may not be the right place as they are true mailbox $ and as passive as it gets (which is nice as well).