I would inquire about rates from local credit unions and local banks and screen the ones that will probably offer better terms before applying and taking the hard check to your credit.

Sean, what have you found is the most effective script to lead in to talking to a homeowner when you knock on their door to inquire? 

Have you already inquired at the CFE or with an advocat?

Stay tuned.....Meanwhile, I receive a call from another investor who was inquiring about a property that had been sold at the foreclosure auction.

You can post free on various outlets like Craigslist and Postlets.Pre-qualify prospective person when they inquire about the property by establishing rental qualifications for your application process.

I have had a couple investors inquire about teaming up for buy and holds but none came up with a suitable split or idea on how to handle my end .. yes, they all said ..well , you can do the rehab and I'll pay you .. but I am not a contractor or a wholesaler ..and until someone can come up with something that makes sense , Im just going to stick with flips .. 

It's easier than having to scribble down your info in a meetup like that.I'd also aim to inquire about people's success.

I kept being referring back to that and associated articles when I have inquired in the past.  

I am tempted to call the bank and inquire ?

And the same thing happens, about 50% of the inquires I get have pets.....I actually had a lady tell me one time that her cat wasn't a pet, cats were "different."