After that, you have to go to alternate lending solutions...commercial, private money etc.Personally, the sooner you can get away from 3.5% down and the associated PMI the better, but you should be able to do the math to determine which route works better for you.Also....if possible, finance in just one of your names.  

I'm reading and getting involved with:J Scott - "The Book on Flipping Houses"J Scott -  "The Book on Estimating Rehab Cost"Rick Villani and Clay Davis (book and audio) "Flip - how to find, fix, and sell houses for profit"Joining BiggerPockets as a Pro memberVisiting my local REIAs for seminars, webinars and networking  I'm starting to see where my biggest fear is starting to take shape:  FINANCINGMy biggest concern it finding the right private lender without getting scammed before my first deal.  

Any experience in this area, I hear about taking in private investors with their 401k money all the time on the podcasts?

Post an ad in the marketplace looking for private money.

@Matt Smith Find a private person to do the management and cleaning as part-time work, it will be cheaper in the long run and the lack of middle-man interaction makes everything easier.

My excuse was not having the initial capital saved up, and no knowledge of hard money, private lending, nor using equity in my homesteaded property. 

Feel free to send me a private message and we can chat about how to benefit one another. 

Once the investing partner likes what he/she sees, the investor is paid back the earnest money and the investing partner gets the funds (HML, private, etc) to purchase and rehab.

I'm looking to do my first deal within three months.i'm located in South Florida primary West Palm Beach.if you can send me a private not or reply to this form out greatly appreciate it.

My most important criteria for investing in private placements is the developer's/syndicator's track record....show what you have done in REI.