Hey Board,

I have run into a problem and would love to get some advice. I am a new investor, I have yet to secure a home as well. I have some issues on my credit where my FICO has dropped to 530. My mortgage guy (from Wells Fargo) says he can not get me approved.

My investment strategy is to flip homes and my purchase price point is 9-120k. I was wondering the following:

1. Are there any traditional companies out there beside hard money that will take on doing a loan.

2. There are a few private money (family/referrals) that I want to work w/ but do not know how to put my plan on paper to show them how not only they will make their money back but a profit too. (Help on how to put this together will be greatly appreciated)

3. Any other options that I have? Any help would be greatly appreciated.

***Please let me know if you need more info***

Cheers,