Hi Choon,As @Andrew Kiel, mentioned, there are various costs involved other than the rehab, from closing, title, escrow, appraisal, lender's fee and carrying costs depending on if you are using a short-term loan.

As a CA broker I can originate whole as well as fractionalized loans.

For example, FHA loans allow for a really low down payment where others required a lot more. - It really is personal preference - everyone has their own "this is the best market."

Hey Patience, I would personally get a loan and buy as many properties as I comfortably could.

But the value that can be added in high value markets is greater than in low cost markets.My last value add (purchased Dec 2021) was purchased off market at $2.25M and was appraised at purchase at $2.5M for the loan (so on purchase I "made" $250K). 

Secure financing through conventional mortgages, FHA loans, VA loans, or private financing.Start searching for properties that meet your investment criteria and financing options.

From a lender's perspective, we struggle to get good loan officers.

Hello I hear their are unsecured loans I can acquire via my income history I believe they give you an income of 20% of the loan now can I pay into the debt replacing pre existing gray space the remaining 80% or will it remain outside as a new amount, hopefully that's understandable.also if I earn $30,000  annually what amount do they let me receive, thanks appreciate entirely.

You will also need to see if they have a loan on the property and how much you would be putting down. 

Conventional loan with FICO 620 you can buy owner occupied with 5% down.