It's not 100% clear, but it sounds like what you're asking is how to get loans while you have a low credit score.

security, fencing, a guard dog inside or someone stays there at night $1500carry cost of your loan/tax/insurance$?

So it may be better to let someone else do the heavy lifting and take most of the risk (i.e. they be the sole guarantor on a construction loan, etc).

Or do I just use the remaining balance of the loan?

Also another option could be a DSCR loan as well.

They can do around %8 on the loan.

I am currently a full-time student, and I am interested in investing in real estate in the near future.

when you buy subto you are taking title and like you point out getting second position money for the downpayment or equtiy .. ( entry fee new term kind of funny but I am guessing thats a Pace ism. )I agree with you these folks need partners not loans.

Purchase price: $320,000 Cash invested: $35,000 Sale price: $400,000 I bought this property from a wholesaler and used a hard/private money loan on the purchase.

Buying with a conventional loan is 1 way to buy.