I could see having both to contribute to, hence raising my contribution maxes (if it even works that way).

But as far as I know none of the terms on the other options will be as good as the "conventional" loan you could get from a big bank.Here are some options: Hard money: think expensivePrivate money: friends and family alsoPortfolio loans from small regional banksCommercial loans from banksSave up and pay cashMight even use a credit card on a $5000 houseCollateralize something that you own

I was raised in Midland, TX as well, and mineral rights have made a lot of people out there wealthy.

Just be really careful.As an example, when I raise money from investors for a real estate offering, the investors get most of the profits AND my firm (the sponsor) is on the hook for the loan guarantee. 

I was born and raised in the City and learned about investing techniques when I was in my 20's, now 73 still going strong and doing bigger and more profitable transactions.

You mentioned your first mailing, are you doing yellow letters, or post cards?

So far I have financed all my flips with my HELOC and credit/merchant cards.

Hi @Matt Heidinger I am also from West Palm Beach, born and raised, I have flipped properties and I have a few rental properties.

And I'm nervous about refi-ing the condo, renting it out, and buying a multi-unit bc I'm not sure if I would qualify for a mortgage for the multi-unit because our student loan balance raises our DTI. 

Welcome Maria,First thing I recommend is to get some simple cards that say that you are a real estate investor and that you buy houses.Second, call everyone that you know(friends and family) and have a 3 minute conversation with them letting them know that you are looking to start buying houses and that if they know anyone who is behind on their payments or taxes or someone who has a home that is just sitting there, please let you know.Third, network with other investors at meetups to learn the jargon and see who is buying and the different ways that you can too.