We are trying to build a network of hard money lenders who are willing to work with newbies with little skin in the game in Houston, TX.

This property will be delivered with clean title there may be half a years tax's or so but you would take that on.I want this to be a learning experience for the BP community to share with especially newer investors looking to get into the game...

We are very interested in the buy-and-hold game for passive income to eventually earn enough passive income to quit our day jobs (obviously with realistic goals knowing it will take years).  

I am new to the game and am looking to help a local investor however I can.

In fact, the game was not about making money but rather mitigating the losses.  

What is you end game and how active or passive do you want to be in the process?

That's great that you have over come all of the challenges that you have faced and ready to get back into the game! 

Second, skin in the game.

I can recommend a few.I have never heard of a legit HML that offers 0% interest for 6 months.Hard money lending is very much a local game in my opinion. 

If it hasn't sold, you're still in the game!