I like it, so much I'm doing almost exactly that with a partner. 

Do I still need to file a proof of claim? 

Overall it’s harder, but probably worth the effort to get better returns.

Whether it’s for fix-and-flips, rentals, or other projects, I’d love to learn more about who you’ve worked with and what your experience has been like.Do you have any solid connections or recommendations for private lenders who use their own capital?

I am attached to this career path as it is something I can do remotely.

They all say they will be on the lookout for me, and they are experienced realtors.I did however get one from here, bigger pockets, and this realtor hasn't worked with investors before, butis asking me to sign a contract so I am working with them exclusively.The reason I am asking what to do, is because this realtor with the contract is very new, but I heard that most realtors will ask you to sign one if theyre serious.

Quote from @Dylan Webb: Have you talked to a lender to see what it would cost you?

Another student rental that has a mortage of 900k me and my wife live here on a private floor. thrid property is also another rental ( duplex w a mortage of 390k ) was fully rented but tenant upstairs has moved out a year ago so I decided to renovated to do short term rental added in 2 ensuite rooms.

It's got nothing to do with people being speculative or "sitting on the sidelines". 

You also want to look for these like/kind properties that have sold in the past 3-6 months within a .25 to 1 mile radius.This comes with practice so the more you do the better you will become at it.