You can find a bank that will play ball, and one that will give 30-year loans for goodness sakes.Ditch those bank bums like a bad habit!

There are many resources available that cover various aspects of the real estate market, investment strategies, and financing options.Attend local real estate seminars, workshops, and networking events to learn from experienced investors.Build a Strong Financial Foundation:Focus on building good financial habits.

@Darnell Hunter Welcome to BP, and congratulations on making the decision to invest in real estate.I feel that credit scores are reflections of an individual's habits.

Most investors use cash or hard money loans to fund the purchase and rehab, and then once the property is habitable or rented they refinance to a DSCR loan or conventional mortgage with a lower interest rate and longer term.

If the property is habitable and you have cash to update it as you go or immediately, you can now get a conventional loan (without a rehab loan component) for 5% down with 2-4 units. 

In fact the one thing that investors should keep in mind is, to make any neighborhood stable and vital there must be a mix of housing, people, and financial ability... high end, middle end, as well as affordable. 

That may mean joint venturing with someone else and splitting profits to achieve that but any successful investor in it for the long haul realizes education and connections are an investment in your business and are vital in building your reputation in the industry on the right foot.  

I am a fan of Seven Habits. 

Additional fees for FHA consultant may be needed and interest rates are usually a bit higher than standard FHA or conventional financingBottom line:  If you have a property that needs work to be "habitable", or if you are just looking for a way to roll rehab costs into the loan easily - these are excellent products that will allow you to do so with very little out of pocket. 

I get that inflation may get a few people to change their vacation habits, but ours are places where people with more money would stay.This is probably a case-by-case deal where everyone will have different results.....