Loans secured by two- to four-unit properties, investment properties, or second homes are not eligible. https://selling-guide.fanniemae.com/Selling-Guide/Originatio...However, there is NOT a state law against it but because of the above most lenders even if they are not selling to Fannie/Freddie do not allow it.

That's a nonconforming property, where you have fewer lenders that will bite on it so you are limited there but let's assume that's not an issue. 

) 2: Funding ( I know Hard money lenders are an option but other than that I'm clueless) and 3 which is the biggest obstacle right now is that I don't have any funding, I have 10k to my name and that's it.I've been doing wholesale for a couple of months and I know the basics of real estate but never bought or fixed a property.I would love to hear your suggestions and what could I do ?

A lot of lenders can still qualify you off of 1099 income. 

Hey Karen, I've got a list of PMs and Contractors as well as Lenders who've been a big help for my investors when acquiring properties.

Not only that but when you are in a portfolio loan and would like to for example sell one and break it out then most lenders will want to be paid back 120% of the balance attached to that piece of property back into the principle of the loan 

If you were buying a major commercial property, the lender looks a lot less, if at all, at the personal credit of the person who owns the company.

In some situations, a lender will allow for someone who didn't originate the loan to continue making payments, until the lender changes their mind.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

We have always used conventional lending, but I would like to get established with a hard money or private lender that I can work with for future investments that can close quickly.