There are 76 mm baby boomers about to leave say 30mm homes in the next 10 to 20 years.In Orlando do your employees or sub contractor employees lowest wage get paid $40 per hour or around $90k for a single person?  

Either way its good to buy end of year as most builders and sellers are offering seller credits or builder credits to use towards closing costs or to buy a rate down to help get a lower payment.Even if you wanted to buy a strater home like a 2-4 unit as a primary again you only need to put 5% down. 

The property should have more impact than credit for hard money, but if you have never used the company, you are probably looking at 14 pct and 2-3 points now.

I already had my own business, some cash, lines of credit and a solid contractor as a partner which is how I have grown my portfolio so aggressively over the past few years.Unfortunately, $8k is not going to get you very far despite the promises of no money down investing.

This often means a smaller down payment and lower monthly payments compared to a traditional bank loan, especially since the seller may not be tied to the high interest rates banks are offering.Another option is a land loan from a local credit union or bank.

Ours tenants mostly pay online, 93%, by ACH, debit, and credit card.

@Otis Clayton You say "I am at the point that I want a partner with some cash and credit to refi the deals I get from marketing and talking to sellers"Based on that you are looking for someone who has cash and credit, wants to invest/benefit from real estate but does not have time to find deals.Look for someone like that, be clear on their role and your role.

On one hand, there're a number of legitimate tax deductions, credits, and loopholes that are not well-known.

Credit unions or smaller regional banks might be a better fit.

The one bank left kept a 1 mil line of credit for me ( down from 15 mil) had me  on a 90 day extensions for 4 years and allowed to to earn back in.