The other option is to find a partner with some experience and use that on the loan.

Being young will present challenges in a field where experience is highly valued not just with lenders.

(been working and succeeding since 2008 or before, someone you have experience with, good returns, close to 5yr investment?)

Some of us have a lot of experience and could make that $20k stretch into something, but we have skills you don't.

2024 will go down as, "The Year of Taking Action".
Getting back in the game came with some challenges. Mostly, the challenges were related to having the wrong mindset about taking action.
Measuring the input is the...

I know this is probably quite rare, but if anyone has any experience in this, any advice will be appreciated.Thanks,Gene

Just another mentor wannabe trying to sell their services. 

You Get Experience"When the man with experience meets the man with money, the man with experience leaves with the money, and the man with the money leaves with an experience."

You'll want to ask about their experience, read reviews, understand their availability, pricing, insurance / bonding, and how they safeguard their funds. 

Your clients should focus on properties with significant equity potential and work with experienced contractors to stay within budget and timeline—especially with borrowed funds on the line.Avoiding Bad Deals - Encourage them to work with experienced agents, contractors, or mentors and always run multiple scenarios, including worst-case outcomes, to stress-test their numbers.Reserves - Advise your clients to keep a reserve fund separate from their loan for emergencies, unexpected expenses, or delays.