Additionally, if investing is something they are interested in, it is likely not going to be in note investing or real estate because their likely method of investment is retirement/401k.So, on one occasion, before I even considered seller financing as a viable option, I researched to see who the seller was via public records and whether they owned multiple properties.

When I was working on a W-2, my employer didn't offer a health plan and I had to get my own coverage.

These are pretty steep for anyone and that's why Bigger Pockets talks about the BRRRR method. 

I've gotten loans on 2-months of full-time employment.

It's a lot of liability for the employing broker with minimal return so it's just a hard pitch for you to make.

If you find a better method, definitely let me know.

Hello Jon,@Jon Horton Welcome to Bigger Pockets and good luck with the turnkey method.

Those are requirements, not just good ideas.You are incorrect in regard to the source of the gift being exclusively limited to family members.I believe that there are some other select approved sources, such as a close friend, employer, and a few others.  

Even those who lost their homes through foreclosure or short sales still needed a place to live and desired to stay in the same general areas so they became renters.It is important to consider how the industry/business sectors which employ your target tenant pool are likely to perform during a downturn.

Cash out refi and heloc are not seeming options at this juncture since I just officially started my RE investing business, am self employed (debt/income ratio) and I'm working on improving my FICO scores.