I'm told I should be looking at credit unions.

When you come here you have to be prepared to step back in time.

After working with Navy federal credit union, I was able to get approved for ~600k(1-2 unit SFR), 30yr foxed,4.5%interest, 0%down, and 2.2% VA funding fee which is wrapped into the loan. 

However, I know of some hard money lenders that will provide a line of credit after 2-3 successful deals.

During that time I’d also have the line of credit to pull on for repairs/vacancy/maintenance, and I’d have that line already established for my next investment.The second option is to put traditional mortgages on them in 6 months once the sale seasons.

Don’t say anything but be prepared to tear it all out if requested.

Local banks will work with you if you have stellar credit and a good track record.

If a tenant leaves, the cost to prepare the unit to rent, advertise, show, and qualify new tenants, plus the lost rent adds up fast.

I am the real estate agent and we used James Hirbour from Jeanne D'Arc Credit Union for the mortgage and had a great experience.

What should I be studying and learning about as it relates to real estate investing over the next 12 months as I prepare to purchase a property?