She said he would pass the credit and income qualifications. 

I’m just trying to find an online company to complete all the classes necessary; I’m sure some are more user friendly than others.Otherwise, there are specific qualification that need to met and I satisfy the requirements.

What I'm seeing is people applying who aren't qualified or calling to ask about qualifications and not even applying.

I never accept or deny at a showing , I give all prospective tenants a copy of the qualifications , and rules and costs .

Some might require a broker affiliation, or Registered or licensed by the state.My opinion doesn't matter as far as accreditation, but it really is just an arbitrary qualification that does more to exclude investors than protect them.  

When we get into the $3, $4K, $5K+ range, the 3X rule is not as accurate as a tenant's affordability/sustainability qualifications.

Or, be very versed in market values, your criteria, and your loan qualifications and work directly with the sellers agent because they don't matter because you know everything already and all you need them to do is present your offer.

Joseph, sorry I missed you question about my qualifications.

Hard money definition has more to do with loan qualifications rather than who the lender is.

You need to fit qualifications for experience, credit score, and show tax return though.But yes, you will be paying the loan as you fix the house - that's your carrying cost.