Hard money is my obvious last choice due to the high cost.

I'm limited on funds and my credit is not in the best shape to qualify for a traditional mortgage, hence why this strategy appeals to me.

So I don't think your con is really a con just a business choice that may be the most prudent one.

I am looking to get started in real estate investing here without using a traditional home loan and I personally don't have the cash flow.

As someone who has always felt at odds with the traditional life script, I've realized real estate was the perfect avenue to utilize my unique skill set to build wealth for myself and my team, while simultaneously improving communities along the way.Currently I’m focused on more active investing strategies—primarily wholesaling and rehabbing—as a way to build up a base of capital to reinvest in the growth of my business.

There are a lot of moving parts with notes but I believe that they are the best way to find deals, purchase assets, and create wealth without the work of traditional fix and flip or toilets and tenants investing. 

And heck, I WANT to lend my $$ to people to earn a higher rate of return, but saving $$ is certainly my first choice for the world..

@Mark Spidellfrom podcast 156 fame is active in Tulsa, you might want to reach out to him.I would think that you would have a difficult time getting funding from a traditional bank since you just lost your W2 income, but your wife should be able to qualify on her own to get you started.

James,Welcome to the best choice you've made!

Bronzeville, Hyde Park, Bridgeport are all traditionally great South side neighborhoods.