We use my wife's credit for everything as mine is trashed due to being self employed in financial services during the economic crash and unexpected medical emergency prior to us being together.

if I could get over the hump perhaps it would be easier. 

i figured a good way to do it is to have a partner on the deal, who will take care of getting the hard money, while i use the 50k for closing and repairs and then split it 50/50, is that a reasonable thing to do or would one of us be getting cheated ?

In the end, being in three markets is more work but allows us be more selective and only move forward on great deals.

The humps in the floor were so bad you couldn't even close some of the interior doors.

I've looked at these areas as well and both of us being fresh RE investors here's my take - for the first couple flips/rentals I plan to do I want them to be easy "base hits" and I'm not looking to get a triple play or home run deals until I get my feet wet at least.  

I have been trying to push through the initial hump for quite some time and kept being told to be patient.

I have more, but if I can't get over this hump, I might pass. 

By us being in the city, hopefully we can work together on a few things.

I am feeling a bit stuck as I am possibly struck with fear and need some friends in the industry to help me hold myself accountable because I know that once I get over this hump I will be rocking it!!.