In terms of financing, I'ver heard small local banks and credit unions are the best to find flexible options?

I am preparing all docs/strategy on my first (on purpose) flip.

@Logan Fast you can always go to a portfolio lender- just be prepared for higher fees and interest.

Hey, there was a guy I just used ... allowed me to pull 50% out of a paid off property ... no income verification and credit qualification ... though they did pull my credit. 

My credit score right now is over 700 so still looking to build that more as well.

i know i can call and get quotes but they run soft hits on your credit for each one so i'm not looking to have tons of hits on my credit. 

You can get credit for any option fee that you paid and also any rent credits that are fully documented, so long as the rent credits are over and above what the market rents on the appraisal comes in at.

Everyone is happy, though the seller just wants to sell i know shes happy there are no calls in the middle of night and her house is in excellent condition b/c the TB's are treating it as they own it, going through a credit repair program and working with my mortgage broker that specializes in

Better credit, lower interest rate, better price point.

I'm relatively new to real estate so I'm hoping you can offer some useful insight.Applicant 1: Excellent credit, low debt-to-income ratio, upper-middle-class income, very little available cash in bank account (cash is mostly in stock and retirement accounts)Applicant 2: Mediocre credit, better-than-average debt-to-income ratio, middle-class income, enough cash available to almost buy home outright.