I'm a novel investor and aspiring entrepreneur who wishes to follow in some of my family's footsteps by using real estate to growth wealth and some present/future stability.

I'm primarily focused on single family flips, BRRRR, or turn-key rentals.

I recently purchased a single family rental in Haltom City that cash flow enough to justify the purchase.

Investment Info:Small multi-family (2-4 units) buy & hold investment.

We have flipped a dozen single family houses in the past but want to develop a rental portfolio.

Ideally we would buy a multi family property here in San Diego and have her live in one while renting the other, but the math just doesn't add up in SoCal now, maybe not ever, so for now we will probably keep her in FL.

What I am specifically looking for is perhaps a hard money lender that will work with my equity and not so much with my financials or credit history.

I have family members who started in REI (to varying degrees of success) and have always wanted to enter in myself. 

There are lenders that will go down to 620 for your middle mortgage FICO credit score with more money down and lenders who will do 15% down for a single family with 720 and above with a 1.2 DSCR ratio (more on that below).

But, if you are in a more "value" oriented neighborhood, this could work.Alternatively, on the single family side, I converted what was a 3 bed (granted the third bed was originally the garage) back into a 2 bed.