There are many other loan products available in addition to Creative Financing methods you can learn about that don't look at your DTI and are "asset based".The ideal loan product really just depends on what strategy you're looking to implement, BRRRR, Fix/Flip, Short Term Rentals, etc...HMLs(Hard Money Loans) can be helpful for Acquisition but depending on the price of the property, the fees can eat up much of your profit, especially if there's not much "meat on the bones".

Looks for development opportunities to build new communitiesAny other suggestions on strategies that have worked for you?

I just figured it'd be worth mentioning, as a more potentially more productive (and cost effective) strategy to get the end result you are after. 

I do get it's a strategy, and it may work, I just don't love it honestlyA 401k is hard to beat - I'm saving 32% right off the top (already hard to beat that return in RE), my employer is matching 5% (free money), the money that's not taxed now is now growing in my 401k.

Here are several strategies and platforms that might help you in your wholesaling journey:Local Real Estate Investors Associations (REIAs): Joining a local REIA can be a great way to network with other real estate professionals, including wholesalers, rehabbers, and landlords.

Look at their marketing strategy.

Shawn, from what I’m understanding you explain, it seems like you want a low price point with decent cash flow.If you’re looking in Utah, you might want to consider other markets for this buy-box.For my clients that are looking to invest in the wasatch front I’m constantly trying to help set realistic expectations for them.You won’t find much cash flow unless you’re putting a sizable down payment down, house hacking and waiting for rents to increase, using creative finance, or using another rental strategy like mid term rentals or rent by the room.On the flip side of this, Utah has one of the strongest economies, youngest demographics, and most educated population in the country.

The economy was shutting down (literally), SP 500 was in free fall, widespread panic.

Hello,
As I am starting out in real estate and have very low starting funds I am looking for innovate ways to get into investing.  One way that has stood out to me is leasing a rental property over buying (just to st...

Could anyone provide recommendations on specific locations or strategies to maximize my chances of success in this venture?