It’s worth exploring credit unions or lenders specializing in non-W-2 borrowers.

Opportunity Zone Tax Credits helped fuel more investments in rural and under-served markets where capital is needed, but not much is available.

As soon as interest rates or your personal situation are favorable you can then refinance at any time and eliminate the hard money lender.

makes sense. so i actually did a 2-1 buydown FHA, i have a 800 credit score and locked in a 5.875% in today's market which is pretty damn good IMO... so the first year ill be at a 3.875% with about a $2350 monthly payment including prop tax/pmi/morg insurance/home owners insurance. lease is locked in for a year at $1400 a month which makes me only have to pocket roughly $1000. the way i see it, its cheaper than rent or mortgages in today's world!...

Count on the rate to be at least 1% higher than where you'd be for a primary residence, and to maybe even cost a little in points depending on the program, your credit scores, etc.Happy to help you think on this more if you want to setup a call.

“Men of action are favored by the goodness of good luck” - The Richest Man in Babylon

I also have a credit score of 756.

Be nice to get them come down in price or give me seller credits. 

If there is one thing I would do different is: I would invest Out Of State in markets that had sustained growth, strong job numbers, were safe and desired, and had favorable Landlord laws. 

The property should have more impact than credit for hard money, but if you have never used the company, you are probably looking at 14 pct and 2-3 points now.