Mainly from google, but also from books from individuals such as David Greene and  Dave Van Horn. 

Technically, banks do want you  as an individual listed on the property.

If it's priced right, you'll get an agent's or individual's attention.

You must talk to some hard money lenders (which can range from a private individual with cash to lend, to a quasi-mortgage broker who does HML and bridge loans - the former often being the easiest/quickest/simplest to the work with, the latter often being more like applying for a conventional mortgage), because you have to know the following about your financing options/costs in order to evaluate potential deals:LTV/down payment requirements, and whether they cover just purchase, or both purchase and rehab costs.

Hi everyone,Looking for some referral from people who have used local banks or credit unions in the Houston area preferably west part of Houston.

I would prefer the bank but I too, am not sure if you can do that w/o giving up your account number. money order is default winner I guess

I'd be happy to talk more over private messages, if you'd prefer, because I'd definitely like to hear more about your experience.

Don't do carpetsDon't do dishwashersFor rentals unless they're premium units I prefer "builder grade appliances"I won't touch an AC unit.... but if it's required you can get them cheaper than what you have quoted.I would do the roof myself and save the $$ but that's only if you like to do that kind of work.Personally I take 5% of each monthly rent and put it into an account that I eventually use to spend on small expenses that require maintenance.

There are two individuals renting rooms.

I would much prefer to keep it as the method you are currently doing.