Due to all this I decide to put Real estate investing in hold I also run my own hot shot trucking rig that I've put on hold until I'm done with all this!

There are a couple ways to do it - have the partner with the deeper pockets finance, alternate between projects or pick the partner with the lower tax bracket.If you can acquire buy and hold properties in the short-term, you might be able to use your separate finances as an advantage. 

It's free to pick-up if you are resident or they will deliver dump truck full loads for a small fee. 

There is a lot of hype around crowdfunding (some of which is way overdone) but it has the potential to address some market needs, namely an alternative to hard money lending and access to direct property investments at more modest exposure.

What I do when someone asks for documents, I ask what it will be used for and then offer a more public alternative, e.g., deed.  

In addition, it's a given a HML will require a down payment, it may not be 20% if you can prove you have the experience to complete the improvements (not to mention the tax issues which I think make it a non starter for a lender).Alternatively, your best solution to acquire this property is to find a partner to buy this property with you or a private lender.

Lastly, I don't think Seattle or San Jose are particularly hot cities right now, so I've been exploring alternatives to buy-and-holds around the area.

Better alternatives?

Either way I don't see how you can win.Another alternative is to run your proposed deal past a hard money lender and hear what they say.

If you are bound and determined to go this route, be prepared for lot's of documentation gathering, appraisals, rent rolls, reserve requirements, DSCR 1.15-1.30 +/- and not much fun.If you would like to talk about alternative funding sources "outside the banks", let me know.Good luck.