Currently, I live in Hawaii, house hacking my own property, and am looking to expand into out-of-state long-term rentals.My goals now are to master the art of wholesaling, continue raising private money, and build a strong portfolio of long-term rentals.

The loan can be called, but in the 45 years I have been doing this I can only recall a handful of cases and it usually was Credit Unions or private money lenders.  

The main programs that study this show a far different look than the appropriate (private & costly) programs.

I feel like my best route to getting started is by working with partners or private lenders given my current available capital.

Is there a name, face, phone number, and email? 

Dive into syndications and private placements as a passive LP partner.Birmingham was my first out-of-state investment experience, so it holds a special spot for me.

Texas is exploring several public-private partnerships to tackle housing affordability, especially as demand outpaces supply.

If you ever reconsider FL, namely Tampa Bay area I would be happy to share my weekly email list with you that I compile showing the best STR properties in the Tampa Bay area

Your credit score (672) is a bit on the lower side, which may also be contributing to the higher interest rate and cost.Have you looked into working with private lenders or small local portfolio lenders?

Sometimes it’s surrendering the ability to get your money back at all… see this thread on Norada Capitalhttps://www.biggerpockets.com/forums/960/topics/1196567-nora...Unrelated to any investment I have made or even real estate, I have watched both my parents fall victim to clever marketing scams where they lost a combined 6 figure sums - both from in person marketed investments… so not something like a phone scam… but was a private placement “opportunity” not unlike how a syndications are offered, where management siphoned off investor money and used it for their own purposes.