I am new to real estate investing and trying to make my first deal happen. I live in the Houston, Tx. area and my median credit score is around 625. I spoke with a mortgage broker who informed me that with my credit score, I would have to put about 5% down on any deal. He said if my credit score rose to 680 or better, I would qualify for no money programs. But I don’t have any money. So, I have looked into hard money lenders. Most will not lend under 70,000(fixed up value). I’m having problems finding houses that will appraise at 70,000 plus(fixed up value) yet cheap enough to buy to fit into the HML formula. I am ready to get started, so any help and suggestions will be greatly appreaciated.