Chris Drury, I've been looking for additional solutions as well, including contacting many small banks in the area where I want to invest.

I've been told - with my terrible credit - that even with a cosigner financing won't happen on an investment property (unless maybe terrible terms). . . any suggestions / ideas / creative solutions are deeply welcomed.

Brian Mathews FYI living on post isn't always the best solution.

In my experience, you most likely wouldn't be ahead if you went the home warranty route, but it might be a short term solution to get you through a year or two more in the black so that you can upgrade the systems.

The best way is to spend the couple hundred bucks and talk to a cross border accountant to be sure and have a solution tailored to you specifically.What market are you focusing on?

This is highly recommended by many contractors as a more cost-effective solution.

I have not searched for another carpet cleaner since he gave me that.People want relationships - they want people who can bring them solutions - and they will keep things that help to make those connections in the future!

While we offer flexible long-term financing programs, think of us as a temporary solution that will help your tough-to-qualify investors acquire the property they want while you help them establish a stronger credit history and fix any business income reporting issues so you can move them to a traditional loan down the road.

Maybe finding a financial partner might be a better solution than financing yourself build your capital up. 

I may have a solution for you.