If I hadn't had the cash, I also have a line of credit available for things like this; however, I would have been in trouble if I were new investor with no reserves. 

I'm looking for modest homes - under $150k - I have "good" credit - and only a small amount of monthly debts. 

On a personal note, It’s taken me 30 years trial and error to learn how to be debt free and not over my head so it scares me terribly to get into bed with seedcredit to cover the cost of a course if I cannot pay it off quickly because the course didn’t work

@Rob Sawyer Credit Unions would be a good place to try, they have more flexibility than National Banks. 

House-hacking is a great intro, starting young is a huge x-factor so you're in a great position, I started at 23 & I really credit much of my financial success in life to making that first leap of faith.

I wanna buy properties well under market and rent to own to people who have had credit issues or maybe other issues.

Unfortunately that will only help if the tenant either wants to stay or has decent credit and doesn't want to mess it up.

She wants 205k for it all...My Credit isn’t the best and don’t have much on hand cash.

Barry has crap credit, and a lot of expenses. 

Also recommended a lender if you know one i can use brrrr, I have multiple rehabs going on now so not a good credit.