Both options are Credit Unions - no points, no origination fee1.

It was a great first project, I had some old friends reach out that were losing their house and I helped them get out from under the PML, bought the house and helped them repair their credit, got a contractor I knew that lived around the corner help me do a full gut rehab and put in about 1,500 hrs of my own labor into it.

They all push ‘flipping” houses, and the ability to do so with “no cash or credit”.  

You can set specific criteria to spot underpriced homes, distressed properties, or anything that’s flown under the radar.I know several investors have had more luck with using water shut off lists, so while it's more work, that might be an even better approach.One thing to note is that Privy compiles real-time MLS data and integrates public records, so you’re not just getting a snapshot of the listing status but a full picture, including owner history, property condition, and any price drops over time.That said, if your focus is primarily on expired listings, I'd also suggest checking out RedX—they’re known for their niche in expireds and FSBOs.

If they have low credit scores, shady history, and lots of heartbreaking stories, they don't have the money now, and they won't have the money after, and you will be sad to discover this one month down the road.

Additionally, you'll have business income showing up and might qualify for some business lines of credit to tap into as well.

My work around was to find a 75 year old dude with no credit and no assets, who wanted a new truck.

The good payment history transfers to their credit profile. 

Credit cards - store specific, general business expenses, etc.Any POV you have on what has worked for you would be great!

We were able to get a home equity line of credit, so if we wanted to, we could essentially put no money down and use the income from the property to pay this and the mortgage off.