If you do not qualify for traditional lenders due to factors such as debt-to-income (DTI), too many loans outstanding, or poor credit, you can also look into online private lenders.

(someone please, correct me because this is the way I understand it)Partnering with someone with money.Use your bank for a line of credit, which you will need to have a good credit score and a good salary to get qualified.Use hard money lenders (accepting their conditions but you need money to fill a gap since they do not finance you 100% of the project).Use crowdfunding money.Have cash of your own to finance a whole project.It doesn't matter what method of financing you use, knowing all the facts on a specific property will be required and the list is long beginning from the year built.

I am partnering with another wholesaler in my area, and we need a new phone number so we can track where our leads are coming from.

The local credit union I'm working with to finance the deal has performed a $450 "real estate evaluation" (i.e. off-site, desk appraisal) on the property and arrived at a value of $110k.I questioned my LO about the appraised value and they admitted the scope of the appraisal was to formulate a "liquidation value," not a FMV.

They may have a min credit requirement, require xx amount of bank statements, tax returns, etc.

My credit score is not strong enough to get a hard money loan.

I think the credit reporting agencies are also in this data mining, over 30, 60, 90 day lates, and yes, state specific as well. 

I am a property manager for 3 different apartments here in Tucson, and have lived here, for now, 3years and have a good credit, but so far that is the only experience I have in RE.I'm looking into buying and flipping houses (still hesitating which one would be the best way to get started between flipping houses or house hacking) but also I'm 23 years old, would you recommend finding an other RE investor to team up with for my first deal?

I applied a Home Equity Line of Credit with a Rental property I own free and clear. 

I'm at the office right now on mint.com tracking our family burn rate.