My Wife and I signed up with F&G to create our business credit portfolio.

Hello everyone, I'm not an experienced investor I should say from my experience that I'm a terrible one, we owned a doublewide on a 1 acre lot in Gainesville Ga that took us a lot of work to pay off ($59,900 owner financed at 10% interest) but once we finish it we tried to rent it out and it didn't work, tenants destroyed the property so we left it alone for a few years.Two years ago I decided I was going to fix it myself and I did, it took me 1.5 years and at least 20k but once we finish it we had a bad storm in Georgia (Irma) and three trees fell on top of the house.

Because the HML aren't based so much on credit but the potential of profit on your flip/rental

Indianapolis Area:  Need advice on finding a lender that works with people with bad credit in 540 area.

Indianapolis Area:  Need advice on finding a lender that works with people with bad credit in 540 area.

It's a semi-large bank and working with a local credit union seems more appealing (plus the added benefit of proving him completely wrong). 

If you haven't already, I would recommend finding a real estate agent that you trust, and also start talking to lenders (banks, mortgage brokers, credit unions, etc.)

Generally, will 2.5yrs of US credit history be enough in my specific case (assuming everything else is in check)?

You can not practice real estate, but you still need to maintain your ce credits.

I got a HELOC a while back through Pentagon Federal Credit Union.