I bought a book and a host of DVDs from @MarkFlipsHouses (on instagram) and one thing he mentions a lot is not needing any money or excellent credit to embark on this journey.

You can do a lot with simple excel and access files.

Ibrahim:I use a custom excel sheet.

Excellent job. how long have you been doing this?

This banker prefers to take a first mortgage on the cross collateralization,Your FICO must be excellent and the banker will pull your credit to see what else is there.

Well, is there any excellent sites for properties?

The courthouse is an excellent source for that.You can also do a search on the net there are some sites that have that information too.

Both towns are have some excellent neighborhoods.

Exciting stuff, let me share this with you, exotic strategies presented as if they are applicable to any deal, any time, with no or little money........it's the bait we see.And, no surprise, I just now visited your profile, low and behold, you're a coach and author of real estate books........guess I was right.Now, that isn't a bad thing at all, I also see you're a CPA, excellent!  

A HML will likely make a loan to a first time investor IF that person knew their stuff excellently (do your homework) and had a realistic project scope of work (keep it simple).