As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.

Personally I like the Section 8 program when the property is located in a super poor area with a ton of blight and crime.

You will not be refunded any of the UFMIP if you refi unless you refi into another FHA loan, in which case you will receive a partial credit based on how long it's been.

Utilized a low down payment loan, maxed seller credit, tax proration and closed on the 1st of the month to maximize my cash and acquire this property What was the outcome?

Once it's rented, use that rental income to help offset your DTI, which may help you qualify for the second property sooner.Partner with Investors: Team up with someone to split costs and lower your personal DTI impact.

So my question is, if you were in my shoes, where would you start if you had $150 cash with good credit?

It would benefit a lot if you are able to obtain US credit, US LLC and US Bank Account.

Got an equity line of credit and borrowed from it to pay cash for the property.

Have you looked into local credit unions or alternative financing programs?

Just curious do you find that accessing county records online through the county clerk website works just as well as going in person?