First, you need to stop listenng to your girlfriend, who has zero 'skin in the game'.

No skin in the game. 

I have $70K of my own money I can use as a down-payment, but am looking for someone to finance the rest ($280K) as I'm a real estate agent and am having difficulty securing a loan from a traditional bank in a timely matter.

I see many people complaining about needing private or hard money lenders because of the difficulty with renovation loans or bank approvals, etc.

Have you ever had difficulty getting a loan with poor credit?

Yes, tenant management software will save you time in the long run and allow you to scale without difficulty.

I have no skin in the game here -- I have not done any transactions with Neu Real Estate Group yet. 

They all want to see some of your own skin in the game. 

Please shoot me a PM if you would like to chat or just say hi.All the best,Phillip DakhnovetsGuardian Property Management & Maintenance Hi Phil,It's great to see another member on the forum from Toledo and investing in Toledo.Same here mate.I've travelled the world, lived all over the world and bought real estate all over the world.But I'm yet to find a market that offers a "better bang for your buck" than Toledo.Been investing in Toledo since 2014 in buy. fix and flips and also property management.I don't see myself investing anywhere else.Why fix it if its not broken.Downside to Toledo is low appreciation and difficulty finding motivated and competent staff.But is probably more so me being a poor people manager than the actual market itself.Wishing you much success in Holy Toledo hehe 🙏🙏🙏

Your learning will accelerate when you have skin in the game.