When a broker or wholesaler contacts me claiming to have access to XYZ number of off market properties a month, that's my cue to run or unsubscribe from their mailing lists.

A VA loan is marketed to people who are broke and CAN"T put any money down because they have none to put down.  

I don't think its fair for you to say they are making money without it as I doubt you have access to their books. 

Do you know where I could find/access lists of seller carry back notes?   

.- My advice; however, is to work with a good mortgage broker as they often have access to more lenders (B or C lenders) that might be more flexible than the 5 big banks.- Finally where to buy: in general, ON, BC are expensive while AB, QC follows and other provinces, such NB, NS, PEI are much much more affordable.

.🔑 More experience = More access to future opportunities.If you sit on the sidelines waiting for the perfect deal where you control everything, you might be missing out on great future partnerships.5.

Quote from @Tom Server: I’m looking for advice on the best way to access about $100k to pay off my 401k loan, credit card debt, and cover some rehab costs.Here the information-  I purchased 2 properties last year, 1 is a rental property that i had for about 8 months, the balance of the mortage is 170k, worth around 300k .

You should have 25% down payment + closing costs, + an oh Sh*t fund on top of that. 

Your financial background is a huge asset, and it’s great that you’re starting locally in Milwaukee while keeping an eye on future expansion.If you’re looking to connect with like-minded investors, the Rental Property Association of Wisconsin is a fantastic resource for networking with rental portfolio owners, accessing legal resources, and finding contractors. https://www.aasew.org/For mentors, funding sources, and flippers, the Milwaukee REIA is another great group to explore. https://www.milwaukeereia.com/I’m a member of both and find unique value in each—maybe we’ll cross paths at a future meeting!

Quote from @Henry T.: I'm glad I saw this post.