They do make sheet vinyl that looks like wood and if you go to a flooring store usually they will have a much larger selection and can even save you money with different types of installation like going over exsisting floors with a floating vinyl sheet install. 

I would check out Banco Popular or a local hard money lender. 

I currently have tenants who pay through Zelle and with money orders.

My goal is for this house to be paid for over the long term, refinance to pull money out, and do it again in another nearby, yet different market (BRRR).

But how for newbies like me with no portfolio or track records I spent most of my money on education  now I'm between jobs so it's kind of hard for me to do both.

Investors can make money in any phase of the real estate cycle But just need to know which strategies to apply in the different phases.Cheers. 

Another option is going to be looking for off market deals, but they are going to want all cash or hard money loan, which you could do for a year and then refinance it once the property passes inspections for a long term loan.

(Before you start reading, I think the overarching theme of this question is that the definition of a Hard Money Lender and Private Money Lender has changed throughout time.

Go after the money.

Quote from @Michael Smythe: @Jay Hinrichs you might find this story interesting.https://www.freep.com/story/money/business/michigan/2024/05/...Someone's gotta start the long road back!