If you live in the property there are some great owner-occupy loans available, like FHA or low money down conventional loans.

These are primarily for "off market" purchases.TOP 10 Motivated Seller Lists - Try each of these Driving for dollars - (Finding houses that need a little lovin’ and contacting the owner) Propstream has an App that gives you immediate information on the property and saves it to your list.

It was like a superpower, I now had money I couldn't spend, money I wouldn't spend.  

The fact that he expects $30k for 6 months on a 1.25-1.30 tells me that A) he's either borrowed in the MCA/alt funding/SME hard money space before or is aware of it and B) he's been turned down by the lenders he's already talked to.

I pay him money but then he disappears for a week at a time and won’t return my calls.

I have saved a few fall out deals from some desperate brokers, but they have very low production or are inexperienced.

We still have lots of looks and saves on Zillow but no offers now.

I know bigger pockets offers their own but wasn't sure if anyone had any experience with using those documents and if it's worth the money?

Flips can be good money as well but I would avoid unless you have a very experienced partner in it. 

Big part of why it isnt renting is people dont have any money .