I have a 650 minimum on all applicant's over the age of 18 who will be living in the home and I deal in mostly A-B class rentals.

We're currently evaluating the property still, but are also wanting to see if anyone happens to know or recommend any hard money lenders (Ideally local to Saint Louis, but are open to other options).

@Cort Bacon I agree, a small multi would be ideal.

Instead, 1) I'd look through old posts2) Determine what RI strategies are available3) Decide which ones interest me4) Match my time/skill set against various strategies to select one5) Learn all about it6) take action when the time comesHere's an article to help you further:https://www.biggerpockets.com/member-blogs/10850/86621-six-steps-approach-to-getting-started-in-real-estate

@Dan L.Every bank is going to have you sign a personal guaranty which means if the LLC fails they go after you and your other assets including your LLC’sSecondly if you mix and match personal with your LLC then having an LLC is pointless as it will get pierced like an ear.

If you are referring to the purchase of a property, it would ideally be in the name of the company.

Des Moines seems to have two options  - brand new construction or needs a lot of work in a not ideal neighborhood. 

New ceramic tile throughout the home, and matching granite countertops in all baths.

Obviously negative cash flow is not ideal, but it may not also be a disaster if you can cover it until you're able to sell.

So going with a conventional with 3%-5% would be ideal?