I eventually ended up replacing the whole roof.At the end of last year, I talked to him about extending our agreement because I spent a lot more money than expected and had credit things to get in order.

Hey I am new to this site and to real estate I dont have any money nor good credit so where should I begin 

I don't know why you're having a difficult time finding a bank to do a refinance for your investments.This is a very common and typical practice so I would suggest calling a few more banks or credit unions.

Then some of your cash is in your pocket and you will start to establish your credit in real estate investing? 

All single family.Now the tenants usually have less then 700 credit.

Listen to the seller and clue in on the reason they are selling.if she won't call back or answer your calls, send a nice letter apologizing (if you think you have some to apologize for) or just something saying "thank you for your time, i would still like to talk to about the sale of your home"....maybe a thank you card for her time and consideration......a gift card or offer to sit and buy her a cup of coffee...... again trying to resolve any issues that may lead to you closing this deal....you worked hard for this lead (i presume) dont just give up!....

do you take flyers or business cards?

I think that in order to feel confident about investing I need to spend about 4 months paying off debts (credit cards, cars) before I can reasonably allocate money to investing.

I've been working during that time with almost perfect credit scores so getting loans to purchase rental properties was a breeze. 

They are a rental guarantee insurance company that helps tenants with less than stellar credit or people that just moved to the US without prior credit history.