We have SIX MONTHS of reserve cash, great credit, and are now both employed.

One of my group leaders is part of a team which has acquired some partially improved lots - the developer ran out of money much earlier in that project.

Also I work with contractors for my day job, and am not afraid to get dirty and do my own home improvement!

There could also be non-profits that are looking into improving certain portions of the city as well. 

I prefer to help my tenants build their credit and buy the homes they live in after three to five years.

I usually look for minor value add opportunities, like paint, drywall, and other cosmetic improvements that can quickly make properties much more appealing.Best of luck investing!

I have created an account, and when I put in my credit card info, it did not pass.

Residential Lending Hard MoneyNationwide private money lender for home flippers and other real estate investorsBarnett Capital provides lines of credit for acquiring, renovating, and stabilizing single-family, multi-family, and mixed-use investment properties nationwide and in Canada.

.- Also, do loans with private lenders appear on my credit report?

Although there are still challenges (as with most older towns) things have been steadily improving for many years now - most residents love the place and are excited about the many amenities & general direction of the area.I would love to find a local wholesaler or other sources of good deals - any suggestions on where to look?