Do you have a personal connection to either of those cities/markets?

However, I think for the average person this is probably not true. 

Hey @Mordechai Chaimovitz - It sounds like you are talking about Chicago's NW side because there are definitely tons of areas in Chicago where a 2 flat can cashflow well.I know for me buying on the nw side was critical to my personal well-being and life happiness. 

No problem, I had cash from a refi, a HELOC, and a personal LOC.

In place of a flat fee I can see the transition being something based on referral (did my buyer agent get me a trades person, lender, home inspector, etc.

You'll never get the confidence to invest from another person or guru.

I would be happy to discuss structure and feasibility as well as insight into my personal finances/personal stake into a deal with serious lenders/prospects.Even if you are reading this post and are not a lender but have valuable insight or experience with flips in Charlotte's market, please don't hesitate reaching out.

I've done this personally and have helped a bunch of other investors do the same.

@David To In Texas there is a way of using tenant personal property to pay past rent.

How we purchased our property: Combination of Savings, Personal Loan with interest from a family member (4% interest) and a cash loan from Wells at about 8%.