We all know lenders can be shady especially when it comes to re-trades, last minute bait-n-switches, unexpected closing costs, or the infamous "we'll get back to you in 24-48 hours" line. 

The other part of your post indicates that you do not have cash on hand and your parents’ unexpected medical bills “and so on” suggests to me that you facing monthly expenses that are not predictable and full of surprises.

Like @ChrisSeveney said before already, worse neighborhoods will often come with more unexpected/miscellaneous expenses.

@Steve Kontos I am from NYC priced out of nyc thinking of investing out of state can you share some tips if u were starting out new like me ... what steps would u take to minimize costly mistakes cash flow is super important to me appreciation as well but need more monthly cash flow so thinking of only investing in 4 plex to create cushion if things go wrong with tenants or unexpected high price item breakdowns  

We spend money putting in gfci outlets, ceiling fans, towel bars, medicine cabinets, robe hooks, LED bulbs and other little amenities that make a house more livable. 

I usually buy from outlet stores like best buy outlet or lowes outlet.

Thanks for sharing how a project can go sideways in entirely unexpected ways and the dangers that HMLs could pose if that happens.Best of luck on the next one.

No laborcheapest windows I know of- $10k no laborkitchens $10k a pieceBathrooms $5k a piece Roof about $350 a sq  -$11,200Flooring $5000 no laborPaint $5000Plus odds and ends (trim, drywall repair, doors, locks, light fixtures, switches outlets, any plumbing/electrical work, hvac) $1000+++Did you do everything yourself?

How can I obtain more financing so I don't go broke trying to finance my first flip - which of course is bound to have several unexpected expenses along the way.Should I look into getting a personal line of credit?

I did take my time and leaned heavily on my mentors while learning and starting out. Let