ROI,  means return on investment and does not consider down payment, equity percentage, or if funds used for investment were borrowed, stolen or gifted or traded for equity.

However, my credit is only fair and and FHA loan is not a option. ( 4+ year old closed credit cards that are being paid off). 

Or if it is a small deal in OH maybe you know someone who can use a credit card to help you purchase it, then rifinance it into a non-QM (i.e. semi-soft money) loan. 

Had another guy whose wife left him and took his vehicle and credit card. 

Unfortunately, last year I went through some pretty hard times that dragged me into credit card debt.

Broken door and nothing stolen....yeah.I'd try and do it same day, but wouldn't think twice about doing it the next day

I will be able to buy the house outright if I had to and then use lines of credit via my wife pulling personal loans and my own credit cards to fund the flip if I can't get a loan.

@Cassidy Burns, Personal Capital is a website that allows you to import account balances (banks accounts, investment accounts, credit cards, mortgages, etc.).  

Then, they have people new to the business dial for dollars from a purchased list of investors that anyone can buy from LexisNexis.They might stick an ad on LoopNet, if the broker has room left on their credit card this month.

I have "we buy houses" on my car, cards, signs, adds, hats, pens, and website.