So in the future I can do the  BRRR method.  

I would like to keep the small reserve fund that I have, so I would like to pursue some creative financing methods such as lease option, seller financing etc.  

I do not believe I'm crossing the line in regard to how I teach my method.

I've concentrated on creative formulas, which include financing, exchanging, and other methods of solving real estate issues.

I've currently got a 401k with my full time employer (also part time RE agent).

I buy houses at 15%-20% of current fair market value.A hard money lender will put up Half only in this scenario.All of the various methods on this website REQUIRE finding a good deal except for owner occupied FHA/Conventional financing and that takes at least mediocre credit.

Some methods make sense and some don't.

One thing a lot of people don't think about is that, for many people your insurance costs will go up depending on what kind of (quality of) insurance you have through your employer so you'll need to factor that in. 

This method in my opinion is pretty much mentorship and cash for deals without any upfront financial cost.

And be prepared to discover that employment verification has been outsourced by some employers to some third party operation such as The Work Number - and that these third party operations charge a fee (roughly $20) to verify employment; so do you pick up the cost for that, or are you planning to pass that along to the applicant?