BiggerPockets

Find investors or homeowners willing to sell you a house on a land contract or lease option and then rent it out for more - that is an option since you have some cash.

You can also do a Sub2 deal - find deals for other investors to buy.

Lots of things you can do without getting a loan. Not easy or quick but doable.

You seem to focusing on the resource you don't have - financing from this one particular lender - instead of focusing on all the resources you do have.

Also, the question of "what deals can I do?" is probably not the most relevant for your situation.

I think you ought to focus and get really clear on your outcome. What is the result you want? Is it passive income from rentals, a few good paychecks from flips?

Starting in real estate is like planting a crop. You need to plant the right seeds and focus on growing that crop. Focus on what you want, and don't allow yourself to get distracted by every new cool sounding technique that comes along.

If you don't focus all your energy on taking care of the crops you put in, you are totally wasting the resources you do have. You've got to focus on that crop until you harvest time.