More leads aren't going to solve their problem of lack of sales skills.

To reiterate above, the variable rate is not the issue, it's the attempt at new terms with punishment attached if not accepted.FWIW, if I recall correctly from 5 years ago, my loan officer casually mentioned that the loan will be "in-house" which I understood him to mean is not a federally backed loan and they are lending directly, but I didn't ask for clarification.Maybe my loan address was included by mistake for this mailing because of that categorization, but still, gahh.

I have a lead on a multi-use property that could be intriguing.

Previously I had my head in a different direction and now I would like to start learning how to do these activities to provide a better life for my wife and daughter.

Send the deals directly to the agents (who you can find by doing #1 above on earlier properties).They all have different buying criteria, different contingencies, different inspection practices and requirements, and different requirements for their purchases.

I’ll follow up in direct messages shortly. 

Went directly to the seller's agent.

Hi Jerid, I have a borrower in rural Cooper TX looking to do a 12 Unit MF Fix and Flip, do you have a direct lender that would close in that area?

If a private lender that reached out to you directly to purchase your note is offering $0.82 on the dollar, my next step would be to take my note to other banks to see who else would want to buy it and for how much :) 

While possible to do after you have many properties where it can be paid off quickly I would not recommend doing it out front. using this method to circumvent saving cash will only lead to over leverage and a false feeling of investing to slow you down later