Maybe it won't matter if I'm not depending on the equity of the land to get the loan. 

I love IGMS. very simple easy software to use and always improving. super competitive rates on it as well

These types of loans are not dependent upon your income but more on the cash flow of the property itself.

This increase in dollar volume underscores the robust demand and high value of Miami real estate.List Price Success: Sellers received 97% of their original list prices on average, maintaining a steady rate from last year.Speed of Sales: Homes moved faster, with a median time to contract of just 28 days (a 6.7% reduction) and a median time to sales of 70 days (a 1.4% decrease).Inventory Levels: Active inventory rose by 27.3% to 3,864 homes, and the months’ supply of inventory increased by 33.3% to 4.4 months.

There are lenders that will help finance up to 90% of the purchase price and a 100% of the rehab up to 75% of the ARV with 660 and above credit (the exact details depend on the property and the borrower's credit profile).

A lot of the questions I get from landlords vary depending on their experience.

Normally, I do not establish LLCs until I have the property under contract and I am deep into the closing process.Regarding if you need a LLC, it all depends on your risk tolerance.

@Juan VargasCredit card stacking is an easy to to ruin your credit and go into massive consumer debt at an extremely high interest rate.

Just depends on who you are dealing with.

Can you purchase a property with a Hard Money loan and then refinance into a different type of loan to have a lower interest rate?