If you need any tips I’m more than happy to help!

I am encountering roadblocks when it comes to our credit score (mine is good / his is crap), experience with flipping (I have no experience / he has 22 years of flipping experience) and the amount of cash liquidity that some of the hard money lenders want is still on the high end especially starting out.

Speak to your local, smaller bank or credit union, preferably a portfolio lender. 

Duane,What not a HELOC at a good rate from your local credit union?

FHA is good for low income, lower credit and offers higher DTI ratios to accommodate.

With it being unsecured your income and credit history will need to be very good. 

Where can I look for a good cold call follow up texting scripts or at least some tips on what to say that is short and to the point, but plants the seed of curiosity?

I have high 800's credit score and prefer 0 points.

My purchase price is 18k total of which the $4500 gets credited towards when I exercise the Option.

Some banks will give you 5% down with a good credit score but only on homes you're moving into.