Hello BP, I have a question regarding hard money loans and the debt-to-income ratio. 

I want to only get properties that are within a certain radius of my cities center, Bloomington, IN, and am having a hard time doing so with the tools on listsource.

Won't it be hard to sell them if your buyer can't use debt and make money?

Again I have a low paying job and live in a high priced area... so thats why I'm hoping to go this route than a hard money lender.If all of this goes as planned and I flip enough properties for a profit, all of my proceeds will be put into a savings account and used to buy an apartment complex at some point in the future.So thats pretty much it, before all this I thought about doing wholesaling but know its harder to get sellers to sign their homes to you and I've never been a good salesman either, let alone any potential legal issues with it... so I don't think that's the right path for me.Any input would be GREATLY appreciated!!

It's hard for me to wrap my head around that. 

This was just to consider a hard money/ private lender at 3 points and 12%.

What are some ideas for tapping into that -- which would include reasonable terms (not interested in hard money, e.g.)?

As a company, I get the idea that they are customer service 1st, 2nd, 3rd and then Real Esate 4th.I wish they did some small multifamily, it would be easier to scale the portfolio 4 doors per deal and per loan than 1 at a time, but their point against that (and it is hard to refute) is that they 100% know their SFR business and model and they don't deviate from what they know.

Quick money hardly exist in real estates.

Makes it very hard to find properties in this market.