Hello fellow investors. I'm new in investing and I need your advice. My dad and I want to start investing in 3 families to start. 

- Credit scores 720 & 740 

-  Have 20% - 25% money down payment for properties valued at $100k - $150k 

- Have  6 month reserves 

- Good steady incoming both with 8-5 jobs 

We are exploring Visio Lending , one reason our debt to income ratio is too high for convential lender & not enough home equity. 

Anyone used Visio Lending? and your overall thoughts in using a hard lender? 

Thank you, 

John