When I put my offer in I was told that it had gone under contract 2 days prior.I have said it myself and hear @David Greene and @Brandon Turner say it all the time, “Get it under contract and figure out the rest”.  

Do I have a chance at winning in a game of he said she said?

Anyway, the submarket most of my properties are in is a hip/trendy area. 

Private and hard money lenders also want to see that you have "skin in the game."

Just got some numbers back from a hard money lender:"I can lend you 90% of purchase 90% repairs, not to exceed 65% ARV 12% interest only no points on loans under 100k $3000 origination paid at closing $995 underwriting close in 7-10 days"Seems reasonable since I'm newer to the game?

I really like residential multi family sfr, especially starting out because you can learn the game quickly instead of dealing with syndicating and dealing with commercial lenders which is a little more advanced.  

I have been on the sidelines and need to get some skin in the game.

How much skin in the game will we need for being first timers.

Lastly, what part of the Phoenix Metro Area are you hoping to be located in? I

I would recommend looking at some successful multiunit investors and what they have to say about entering the game in this asset class.