Each way you're making money on the property, it just depends upon the type of use you can envision.

Thanks @Joel Owens, great support from you!

I would check out Banco Popular or a local hard money lender. 

But how for newbies like me with no portfolio or track records I spent most of my money on education  now I'm between jobs so it's kind of hard for me to do both.

(Before you start reading, I think the overarching theme of this question is that the definition of a Hard Money Lender and Private Money Lender has changed throughout time.

Go after the money.

When the bank lent you the money is when interest starts accruing. 

Just my 2 centsTo answer the question if it’s a tear down you need to understand the comps In That area and the cost to remove the existing and rebuild - where many go wrong with rebuilds is they assume best case construction and holding times and time is money especially if using a construction loan.

Wholesale should never be done with a listed property unless you give 100% full disclosure up front so the agent and seller knows you have no real money no real means to close unless you can find a buyer etc etc.. but of course here we are talking about this and poor wholesaler cant get deals LOL

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