I have great credit, some money saved up and ready to start investing.

We started with $1MM of our own capital, and have since grown to about $25MM through raising private money and utilizing bank lines of credit.

Some local credit unions and banks can offer great terms in the 75%-80% LTV range.If you’d like, feel free to reach out directly, and I can share some connections that have worked well for me over the years.

I like to have lines of credit for optionality and many of these are IO  

@Joe Villeneuve I have a similar situation, I have a 743 fico score, with a credit card that have a remaining 12,000 to pay off a 20,000 card.

I've gotten a few bites and some apps but mostly dead beats with evictions and bad rental history. 

So if you get an FHA buyer, you just wait to execute until day 91.As far as comps go, I would say savvy agents and the appraiser will all look at the property history. 

(DCSR, Private Lenders, Credit Union banks etc.) 

Using a service to report rent debts to Credit Bureaus can be very effective at recovering those debts because it can impact their credit report and score for years to come, typically 6-7 years depending on location. 

If I had a kid like you in my community, I would be happy to let him/her help me with tasks in exchange for training.Do your parents have good credit?