However, this seems a little more complicated and I would consider speaking to a real estate attorney if you aren't comfortable putting it together using a title and escrow service that can provide further services.

You aren't borrowing from hard money lenders. you borrow from Private lenders. 

I just can’t stop thinking that some authors have to be writing just to make Money.

Seems you don't have a handle on who your tenants are and aren't sure about with whom you're communicating.

I don't know of any banks that will do a portfolio loan on a just one SFH but it doesn't mean there aren't any. 

page=5Bonus for the weekend, my collection for starters (read the comments too, and then if you like the author, go check out what else they wrote):- https://www.biggerpockets.com/renewsblog/stages-of-investing/- https://www.biggerpockets.com/renewsblog/newbies-learn-real-estate-investing/- https://www.biggerpockets.com/renewsblog/5-ways-to-know-youre-not-ready-to-invest/- https://www.biggerpockets.com/renewsblog/ideal-vs-desperate-investor/- https://www.biggerpockets.com/renewsblog/how-much-to-offer-property/- https://www.biggerpockets.com/renewsblog/hazardous-attitudes-of-investors/- https://www.biggerpockets.com/renewsblog/2016/05/31/21-traits-scammy-real-estate-investment-guru/- https://www.biggerpockets.com/renewsblog/youre-not-cut-out-to-be-real-estate-investor/- https://www.biggerpockets.com/renewsblog/questions-new-investors-should-ask/If that's not enough, ping me and I'll give you a whole collection of blogs and podcasts to follow.Bonus 2: 1) Read at least one hour per day every single day.2) Remember the quote by Jim Rohn "You are the average of the five people that you spend the most time with."3) Check for toilet paper before sitting down.

Our credit scores aren't as high as they could be due to the high revolving balances from the real estate.  

((Shocker)) they aren't on firm financial footing and are always angling to try and pay late/partial payments. 

@Trisha Stevens You would have to get an authorization to release information signed by the seller giving you authorization to speak with the bank on their behalf

Never had a complaint about not enough washers, but just because nobody mentioned it doesn’t mean people aren’t thinking it.