I am tired of preparing for the worst... preparing for the worst is killing me slowly and I might not ever make it to experience the best.

Be prepared to face fluctuations in the market, unexpected repairs, and tenant issues.

Monty, take a small amount of time to work on your credit daily.

There's a decent chance that if you have good credit and improve your DTI over the next year, you can put a Heloc on the property while it's still your primary to unlock some of that equity if needed.

My goal is to wholesale some properties single and multifamily to build some capital while fixing my personal credit and building my business credit.

The same goes for your credit score, which tells us nothing about your ability to flip a house and pay us back.In sum: Experience, Integrity, a Killer deal.

. :)  these are not credit score loans ( I mean I have a credit score) but thats just a formality its all about capital and relationships with your bankers and deposit relationships thats key as well.Yes your relationships with sub contractors will be a huge factor in profitability, both direct and indirect. 

If I did, I'd find a place I really like to visit and be prepared to spend a lot of time there making connections.  

Other than that, see if seller will do Lease-Option or Land Contract with you for 6-12 month, so you can fix your credit and build up savings.

It would be like if someone prepared to sell by painting to create fresh visual interest, but chose fuscia and lime green...those colors would certainly catch the eye but I'd never claim that they overdid the curb appeal by painting with too much visual interest.