If you can build up some savings and put it all on the line with your doctor friend, it puts some of your skin in the game too.  

As long as tenants are paying utilities and the crawl space has no moisture or mold issues there is no reason to change.

You are asking a stranger to lend you basically all the money for a deal with no experience and no skin in the game. 

@Libbie Grant Welcome to the wonderful world of real estate investing where there are a million ways to skin the cat, all depending on your goals.My family has been in the Mount Vernon area for 20+ years now, so that's my farm area, while Anacortes is my place of work and hopefully live soon.

IMHO, getting skin in the game by investing time and money in a property will force you to learn. 

I know that might be a bit of a stretch but I have excellent credit and am willing to put skin in the game.

There are many ways to find motivated sellers - you have to think creatively...there's more than one way to skin a cat!

I've got some skin in the game too, just not enough of my own to kick this real estate journey into another gear.

Account Closed - You would have a difficult time even if it costs $25k and you put $25k into the deal with an ARV of $120k to find a lender, as you have no skin in the game.

Here is a little something that is really starting to get under my skin...