My motto, "Honesty, Integrity, and Accountability," has always been my guiding principle—not just in business, but in my personal life as well.

I've sold over 80 homes personally in the last 30 months and I'm usually within $5k of the appraisal report when I run my CMA for clients.

@Lauren MerendinoI strongly believe that your chosen market should be somewhere that you can go to in person / have strong personal knowledge of / have family or a network in already.  

Better option for personal use but perhaps not rental. 

I bought this property with a private interest free loan from a friend. the person i bought it from need cash fast so i offered them a low cash offer and they accepted.I had enough money saved up to rehab the house with my savings.

He is very good about deductions on tax returns so his income looks negligible and of course banks wont talk to him about loans.

Personal guarantees are EXTREMELY common.

Any local bank that does this kind of financing should be able to approve you as long as you have a good enough credit score and never declared BK.

if so what bank? 

JeffWe lead a couple investor meet up groups in person and live stream about the Central Ohio real estate market.