I've found some interesting properties which i like to purchase to start my fix n flip and brrr investments in San Antonio Texas, but almost every hard money lender have asked me for previous investments (which i have in méxico but not in the US and they require US) and also i have good Fico Score but very low Credit since I started building it 2025, should I wait a little until I have more credit history or make an offer to purchases a property with inancing contingency? 

I have estimated low maintenance costs because the house is completely renovated and is basically new.

I have somewhat of a dumb question regarding a maintenance concern.

You are also limited to using their chosen vendors, who can sometimes be late, unprofessional, or provide low-quality service.

Instead of trying to see what the cash flow will look like with maintenance, vacancy, and capex, try setting that money aside for the first year.

You mentioned 20k finder's fee (is this for each property sourced or a one time fee for their program/etc), 10% maintenance fee on gross income, $18/SF design fee.

If you have good credit, HomeReady/HomePossible are excellent programs, requiring only 3% down will still offering low MI rates. 

Proactive seasonal maintenance not only improves performance but also helps avoid costly breakdowns during peak usage.

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