Unless paying cash, after all the cash investor dried up, using 25% down payment, how do a typical mom and pop landlord buy a new property?

Although I was able to rectify the sewer issue the tenant would not allow the restoration company to come in and remove contaminated material, sanitize, and dry the place out.  

If you go back far enough on the wholesaling forum, it seems like wholesaling has dried up in every area.

Many banks were opening HELOCs at zero cost back in the day and I read recently that there was a shift by banks back to HELOCs now that the refi business is drying up.

If it's your first rehab, it will certainly cost more than you plan, your electrical guy won't show, your plumber will have you way down on his list so the project will just sit for a while, your sheet rocker will have to wait until the rains stop because the mud won't dry, your inspection will fail and you'll have to redo that, your refrigerator space in the kitchen will be two inches short because the counter is bigger than you thought, then the door of the refrigerator will swing the wrong way and you will have to figure that one out too. 

Staining sucks, you’re wiping it onto a floor, and poly can be pretty complicated drying process.

It's like watching paint dry with the appreciation, but they cash flow well, so no complaints.I wish you all the best.

Maybe, but those are also totally different skill sets.The old timers like to say that you should be preparing yourself for the inevitable downturn, and that will mean seeing these refi-opportunities drying up for awhile. 

Everyone does better.TL;DR - I have personally helped over 600 investors build their portfolios in the last 6 years all over country (although mostly people from NY, DC, VA, MD, TX, CA, and FL), and have inspired 1000s who are CONSISTENTLY posting in our mastermind group their progress, questions, and pictures.

@Michael Dumler,  the first deal, the shakiness involved illness, but eventually with the help of my realestate agent my "deal" was transferred to another loan officer in the same company.This time, I feel like I am being left out to dry.