The fastest mortgage bank in the country right now works exclusively through independent mortgage brokers (a huge part of what helps them deliver on that speed is us handing them files already neatly packaged up, as opposed to what consumers provide... just this week I asked for most recent month of paystubs, and a person gave me a 107 page PDF with non-paystubs from 2018).

No, they all have completely horrible interest rates, and ridiculous fees to boot, that's why it's "hard" money, think of hard booze as opposed to a decent glass of wine.

@Tanner Williams: the more real estate events you attend, the faster things will happen for you!

There are plenty in the Atlanta area and you can find them here at biggerpockets.com/events or meetup.com.

Or are there any considerations I would need to take into account when refinancing with a 203K as opposed to using Hard Money/Private Money?

@Bob Green what's your opinion on a portfolio loan as opposed to a hml?

A great place to start is https://www.biggerpockets.com/forums/521-events-and-happenings which you can use to find like-minded people in your area.Besides figuring out what your goals are, how you want to get started, and meeting like-minded people, the first action item would be to talk to a lender.

@Joe Delgrosso Follow the advice from @Amy Fulbright and @Salvatore Lentini - Start attending the KnoxREIA meetings, the Landlord Luncheons, and a number of other such events in Knoxville.

It also helps if your income has been increasing year over year for as long as possible, as opposed to decreasing.

@Samuel Silver @Darian Berry @Harrison Smith Here's the link to the February event, see you all there!