Hi @Dana Boyd Both have quality data.

They offer day and night classes during the week and on weekends.

Both avenues offer unique opportunities and challenges, so choosing the right path depends on various factors that are specific to your financial goals and risk tolerance.Investing in Residential Real Estate:Residential real estate is typically the more familiar option for many investors.

Offered $7k under asking and got it under contract.

Currently working on analyzing leads accurately relative to rental income and interior of property when determining offer price. 

There is a difference in the hit someone's credit takes if they are behind in payments or they are in foreclosure so offering to buy the property before it goes into foreclosure does help the owner to some degree and it is not claiming to help them stay in the house. 

This one just told me it can't be done and didn't offer any alternatives.

 I have got in contact with lenders that offer 80-90% LTC, what are other ways of financing the out-of-pocket LTC without using my own money?

They are a fairly new outfit but seem to have a good product offering and have been responsive thus far.

An offer that "meets that need" has a chance to be accepted as that is the goal for the money they already have in their head.