I guess my point is unless you already have a bunch of people ready to loan you money, finding someone who is going to be a Cash Partner, Equity Partner, Private Money Lenders is going to require a some sort of track record.  

It's the sort of thing a clerk will blindly tell you without looking at the file.

This sort of due diligence is what keeps most people out of tax lien investing.

That said, since we are here, let's sort out some of this better for your understanding.  

., I just want some sort of response. 

I'd imagine there's some sort of hardship clause in there somewhere too, as long as your intent was to keep it when you pulled the permits.

And while you don't have to keep those reserves in some sort of escrow account or anything, you still have to prove those to the lender throughout loan approval process.It has become much more difficult for people to purchase investment properties using conventional financing over the past few years and although there is the "seller second" or "seller carry back" or "subordinate seller second" as it is sometimes referred, surprisingly few lenders will allow for it.I'd suggest checking with a portfolio lender, that is to say, a lender who will not sell your loan to Fannie Mae, for instance.

I sorted the list on cost.  

I am currently unemployed, as I am studying for various standardized tests for grad school, but if I wanted to further pursue growing my real estate holdings what sort of options might some of you use?  

As Louis said he probably wants some sort of commitment before he starts putting to much of his own time into it.Call another agent that specializes in investment properties in your state and see what they say.