I cannot do a conventional loan because I do not have a job and my husband is not ready to input his info (for his W-2 job) for a loan application so I am trying to think what loans will work for me? 

One question - which lender did you use to get a sub $100K loan? 

DSCR Loan with 75% cash out refi3.

@Yadira ValeraIf you transfer property but mortgage stays in your name it still shows on creditIf loan is in the LLC, you may have to personally guarantee it so you would be required to list it as a debt on any new applicationsJust a fyi

If you can get half your mortgage paid and retain some of your cash for the rehab (or get a loan that includes rehab $$) you should go for it.

We have placed most of our liquidity into a real estate and used car loan portfolio.

Unfortunately in SD $55K won't get you into a flip, you'll need at min 20% down for a hard money loan and then reserves as well.  

The houses you can afford given the size of your down are ones banks are not likely to want to lend money on because their costs are about the same as for a big loan.

.: Subject To and Wraps are very similar and yet, very different.Subject To & Wraps share these characteristics You are taking over payment of the mortgage and transferring the property into your name You become the owner The loan does not get paid off The lender can and sometimes will call the Due on Sale You have to have money or credit to solve a Due on Sale call They are used when someone doesn’t have much equity and doesn’t want to pay a real estate agent They are used when the seller wants to sell fast They are used when the property isn’t really a good candidate for the MLS because of the condition of the property They are used when It’s a unique property and it’s hard to find comps They are used when it’s a distressed situation that needs to be resolved They are used when the monthly payment is below market rate (that means it cash flows) They are used when the seller wants to avoid the hassles of listingSubject To & Wraps Differences In a Subject To, NO new mortgage is created.

It is never too late, you just have to think about strategy.The younger you are, the more you can bank on higher loan to value due to appreciation.