To be honest, without this help I would have had a hard time moving forward.

One: any Hard Money Lender who promises 100% financing is wanting to wind up with the property.

Since I just purchased a home in GA, I don't have much capital available, but could possibly do up to 20k down on a buy and hold but I would rather keep my funds and look into hard money lenders or distressed properties that I could buy cash and sit on and do most of the rehab myself.

To be completely honest I know very little and have minimal experience in the field, but I'm willing to learn and work hard,  as Ive done to become a great welder.So to end this here, if you're looking for some help or know of someone looking for help, I would appreciate it if you contacted me anytime, I can send my resume along with pictures of some weld work I do.

When you go farther SW or NW it tends to get too expensive for good cash flow on multi-unit properties.SFRs are managed easier but should be purchased in towns with a high rental density to avoid long vacancies (with only 1 home, when the tenant's leave it could be hell on the landlord if it becomes hard to fill that 1 vacancy).

Lastly, The lender also is not willing to extend the terms of the hard money loan.

Given that we are carrying ALL of the financial risk, I am having a hard time seeing why this would be reasonable or fair.

Need help finding Hard Money - to fund the Purchase and Rehab. 

So if your payment is $1,100 and you add the above numbers to that, your cost to properly maintain your asset you and your wife worked so hard to acquire, it will put you in a negative cashflow.Most investors look for at least $100-$300 cash flow after figuring all the above.I would encourage you to check out Bigger Pockets Rental Calculator and do a little more searching before you jump in to the above deal!

That hardly covers anything unless it's just been fully renovated