Small banks, credit unions, and portfolio lenders will be your best bet.

I have spoken with more than several HML's and each companies website says no credit checks but after hundreds (exaggerating) of discussions with each co's agents they all wanted and more specifically needed to run my credit.

Been listening to the podcast for some time now, and am finishing Rich Dad, Poor Dad.

Brandon from BP mentions hardmoney loans for rehabs, also mentions credit cards, (I currently have put some repairs on a credit card that has 0% interest until Sept 2019).Estimate ARV: 235,000 with the possibility 300,000+ (with forcing value by adding kitchen and bath to mother-in-law suite in detached garage.)Currently owe $148,500 @ 3.625% 25year IIanNot sure how to move forward with repairs.

Witch is the best for first time investors with not so good of credit ?

I have $35,000 cash, no debt, my wife and I have 720-740 credit scores, and we have approx. $85,000 household income.

It all started when I read Rich Dad, Poor Dad.

We'd also pay off our ~$70k of student loan and credit card debt.

I have read Rich Dad Poor Dad and have a great vision of what I want to build...a large REI firm and operating my own rentals.

I currently have funding from my credit union and SBA loan