I am an agent, but a relatively new one, and so I'm hoping you can help me think this through and offer some advice. 

The course was easy to navigate and offers a wealth of support.  

A HELOC is going to be a nightmare and offer in most cases 60-65% CLTV (If you find a bank) that will do Heloc investment. 

About collecting rent through Zelle, though, there are a few key reasons why it might not be the best fit for you as a landlord or property management firm, especially in the long run:Zelle is Designed for Personal Use: Its features are great for sending money to friends and family, but it lacks the business functionalities that landlords need, like automatic rent tracking and late fees.No Rent-Specific Features: You'll miss out on handy features tailored for landlords, such as payment reminders, lease management, and maintenance requests.Transaction Limits and Dispute Resolution: Zelle has sending limits that could interfere with rent payments, and it doesn't offer the same level of protection and dispute resolution you'd get with services designed for rental transactions.Given these limitations, while Zelle might work for now, as you grow and manage more properties, you'll likely need a more robust solution that's designed with landlords in mind.

Any insights you can offer would be greatly appreciated.Thank you!

Thanks There a some lenders that offer require minimal or no season for the Memphis market.   

I can also make a recommendation to an investor colleague who has more formal coaching offerings. 

Be wary of lenders offering 100% financing, especially when you have no experience.

I have the skill set and experience so it makes sense to meHas anyone done this/can anyone offer advice about how to get started?

After working with a lot of lenders over the years, the most important thing for me is their level of customer service (will they provide a lender letter promptly for you when you need to write an offer quickly, call the listing agent to help you get your offer accepted, pick up their phone for you, etc.) and do they close on time?