Lowest money option is to buy a multi family and live in one unit and rent out the other units.Other options if you have more money are the purchase + rehab option, force appreciation and refi out to get your money back out, and then repeat.

@Cameron TopeI'm a new Investor in Houston TX and would love to get some feedback on how Texas laws affect wholesaling.NOTE; I am not a wholesaler nor I plan on doing wholesaling, I plan to do BRRRR and multifamily rentals BUT if I find deals that I can not take for whatever reason, I would like to know my options and I like to know a little bit of everything so I can have a good toolbox. 

The other 3 have been reserved by repeat customers that will be here this weekend. 

Recently applied for a loan and was denied based on credit score.I have never had a credit card and the only thing affecting my credit score are some old medical bills.Any ways I can build my credit in a short period of time without getting a credit card?

I'd say buy more property and create passive income mate. rinse water and repeat 

For instance, a 3 year note vs. a 20 year note will affect how you structure your deal.

How repeatable is that?

I’ve noticed in CL that there are quite a few folks who repeatedly post the same ad that drives down everyone else’s postings.

yea, we keep repeating this!

Your LTV will affect the rate and your credit score can affect your interest rate.