@John Beck your best bet is to start with local banks and credit unions who know and understand the area. 

@Amra Mujakic and for reference sake, my timeline was based in Florida's 63 credit hour requirement.

That is an issue that will vary from lender to lender.

I am wanting to get into real-estate but don't have the best credit...

.- It was very text heavy, just pages and paragraphs of words which is really hard to stay focused on.I did the one for Texas, so maybe they vary a little, but I would choose a different program if I had to do it again!

You may want to consider selling a stock that has lost value since you acquired it to offset the gain.unfortunately - you are not able to offset the capital gain by re-acquiring it.Did you look to see if you can get a line of credit with the Index fund as collateral?

I have EXCELLENT credit (almost 800) and am a business owner that showing a nice income on my tax returns.

So the basic financials are $281,900 purchase price, $100,000 rehab cost, then when this is complete the income of the property would be $850 and no utility expenses.I am planning on using the BRRR strategy for this property.My wife and my personal finances is I have $14000 in savings, $600 in another account and I have a line of credit of $40,000 with and interest rate of 7.8%.I have not exactly officially offered this $281,900 but I want to but before that I want to hear any opinions and things I may not have thought of.

Use something like https://latchel.com/ and have a backup who can authorize work, maybe leave that same person a credit card (assuming they are trustworthy, like say someone you'd give power of attorney to).

Even though there are varying opinions as to where we are in the cycle, i think its hard to deny that were late in the cycle.I have a good amount of cash sitting in the bank after recently selling one of my properties.