Local Banks & Credit UnionsSmaller banks and credit unions are more flexible than big lenders and might approve you with:✔ A detailed project plan✔ A licensed subcontractor network✔ Proof of rental income history (since you own rentals)4.

I know where I am going to hang my license as long as my application is accepted and am excited to become a local real estate agent.

I did not pay for the course or get any deeper because I figured 1) High return = high risk, and I am at a point where I can't afford to lose that kind of money; and 2) I didn’t see a value in a course- why not network with local investors who need down payment, and work it out directly on a deal that I could more easily underwrite?

Your best bet is to find and contact all of the top local wholesalers and go to work for one of them and see what they do right and wrong and see if it's even a business you like.

Go to local meetups, search these forums for people that have mentioned that they do private lending and attend other RE events.

I’m currently diving into the world of rental property investing and exploring opportunities in my local market.

I would talk to a local bank or mortgage broker to see what you can get for a loan first and then go from there. 

If they do, your best bet is a local community bank that funds these types of properties.Another option is a private lender but that money will be pretty expensive, as mentioned 10%  + 

I've worked in healthcare for the past decade and looking to invest in local, small multifamily properties.  

I wonder if your local MLS provider has a list of MLS_only brokers in their system?