I suggest building a strong team around you for your first investment especially to help walk you through the process and help you get some skin in the game.

I could go all day for how dissatisfied we are, but that would probably get irritating and boring.

All lenders want your skin in the game, the only way to borrow a down payment is by showing you didn't need to borrow it.

The best thing you can do starting out it network at some local REIA meetings, and start building a strong team around you for your first few projects in order to get some skin in the game.

Sure I was irritated. 

Find an 80% on the value deal and go find private lender money to give you a private first mortgage, Pay them 6 to 7%Need to find Hardmoney lenders we can develop a relationship with for properties that need a lot of workLastly you need portfolio lenders, it will lend you 80% of appraisal with no skin in the game.

This is not for the faint of heart and you learn to become thick skinned and assertive, proactive and a hard lined manager/owner.There can be many things that can go wrong and things can easily get out of your control.But if you take a professional approach to things , plan and prepare, become knowledgeable and competent you can turn this toward your benefit and joy.

I think you have a good plan for wealth building through investing, but I would suggest partnering up with an experienced investor for your first few projects in order to get some skin in the game.

Just brushing off the minor symptoms as minor allergies or irritations, when in fact they are caused by growth in the home the whole time.

High levels of personal assets; good credit scores; high income to debt ratio; relatively high levels of "skin in the game" (i.e. down payment, personal equity); a property that can be successfully converted to a sale in the case of default.