So if you were to buy with a hard money or renovation loan, and you buy it right, you could buy and fix up a house with no money out of pocket with the right lender and as long as your purchase, reno costs and reno loan costs are under 70% of the value of the home, you could then refinance into a permanent loan and hold it.There are some smaller local banks that have a rehab to permanent where you can buy the house and renovated it with the construction loan and without "refinancing" the loan converts to a permanent loan after the renovation is complete.

These are off market pocket listings where the owners would like to sell, but they have a long term tenant in the home with a year or two left on their lease. 

I have a buddy who is new to the real estate game who would like to partner on his first deal. 

Do you use hard/private money or do you fund it out of your own pocket?

I've heard of a bigger pockets meeting at crows nest on Tuesday at 4pm from a friend.

I haven't come across a bank which will let with zero skin in the game.

Hi Everyone,I've been a member of bigger pockets for awhile, but haven't gotten around to doing a real introductions.

You may not have money, but you have skills--you need to leverage them to get you into the game.

What I bring to the table:- Stable income/employment history- Handy and technically minded- Great with excel and programming, should translate well to custom analysis tools and automation- Commitment and discipline to spend the next decade grinding and doing whatever (legally and ethically) it takes to be successful.Thank you for taking the time to read this, and thank you to everyone involved with bigger pockets for facilitating this community.  

For instance Brandon from Bigger Pockets always mentions in his webinars/podcasts that he is looking for 200 per sfh and then 100 per unit for multi family.