Then I couldn't get to the refinance or repeat. 

I went into a small community bank today to ask for a loan and get more info on their lending process and I am going to repeat that step till I find a bank or a lender who will loan me the money.

Having started my flips by solely buying off online-auction sites and repeating that for over 25 times in last 5 years, ( have stopped for over 12 months now since mid 2015), but actively keep watch on online auction prices.

Can't wait to "repeat" the process!

By doing this you shift risk away from you, create less risk in the deal structure, earn more profits, and can repeat this process infinitely.  

Here are the strategies I can think of:1) Save up $30,000, buy a house, then simply save until you have $30,000 again (with the money in a savings account or stocks depending on risk appetite), then buy again, rinse, repeat, etc..2) Save up $30,000, buy a house on a 15-year fixed mortgage to get the lowest possible rate, then when you have enough combined cash and cashable equity in your property, immediately do a cash-out refi and buy another house.3) Save up $30,000, buy a house, then when you have enough combined cash and cashable equity in your property, take out a HELOC and buy another house. 

And I'm not going to sugar-coat it: I loathe just exchanging my time for money.  

Then you just repeat and keep learning.

It's also important to remember what the CS tracks, it's only SFR that are calculated using a repeat model. 

I hear it repeated it over and over, if it's a DEAL, you will find a buyer.