This is a long term play and you don't come up for air until 15-20 years in the game and start paying off the properties.

So what I was thinking (say the numbers make sense) that we find a private/hard money lender, put a small down payment so that we have skin in the game too not just the lender, increase the interest rate so it’s beneficial to the lender, rehab the duplex, and increase rental price, then refinance in 1 year having a background of tenants to show the bank, and to pay back the lender so it’s a short term investment.What do you guys think?

I'm ready to start investing and I'm really itching to get into the game and start building a portfolio.

Seems like you have a pretty thought out game plan and financial foundation to back that up.I myself am still new but have found plenty of awesome people here on BP.if you ever have questions feel free to reach out to myself or make a post on the forums and you’ll find quickly that there are many people here who are supportive on any questions you may have.Best of luck on the journey.

The only issue is that I'm late to the game in building credit.

The only money I would spend on that would be from my Monopoly game, haha!

There are many options to getting started in this field and it is up to you on how you want to get in the game Best of Luck!

Since you already have experience with BRRRRR you're way ahead of the game because you already know how to keep your acquisition to a minimum.

Hey guys, I'm just starting out into real estate and wholesaling is the entry method I chose to use to get into the game and learn all about the market, the lingo, the bylaws etc...so I've been learning from Youtube and talking to licensed agents that I know for a little over 2 months now.

Internet and cable could easily be $200-300 unless the HOA has contract pricing and internet is a big issue especially with gaming and streaming, so you have to have great service.Hope this helps.