@Kris VillasenorTalk to a lender and figure out what you can afford with your debt to income ratio. 

As a lender your credit is shot now, a BK would make it that much worse compared to trying to repair it, but sometimes a BK can repair it faster. 

many lenders go down to 75k for loan amount .

Get into rooms or online spaces with agents, investors, lenders, business owners, landlords, and real estate developers---talk to them, remember their names, and go out for drinks.

Think about going to see there office most lenders do the appraisal and when its done they charge you .. they dont have you send the money up front.. but maybe some do.but worse case scenario if they don't fund your only out 950.00 but many do this and also have non refundable EM thinking the deal is going to close and they lose that as well. that's why reputable lenders are very important to keep you from losing 1 to 5k on a fake lender or more  and again I have no clue about this company.. just say in  how the fake lenders operate and what your risks are 

Private money lender How did you add value to the deal?

I'm not only a lender, but we've been doing new construction in the Tampa Bay area for many years.

So I looked up our occupancy compared to market occupancy where our STRs are located.  

When people look for a place to rent, they compare what is available at that time and choose what, in their opinion, is the best option for them.

Most lenders wont lend with out title insurance and time to underwrite, so wo t loan on auctions.This is the market I work in in  WA state, best of luck and don't go over your $ number!