I know that there are tons of different types of lenders but I believe for my case I would need a private money lender or hard money lender.

Quote from @Koty Frank: I've been wanting to start investing in real estate to build wealth and earn some extra cash flow.

Even moving a few miles outside downtown Austin can lower costs while keeping strong rental potential.Down payment savings: Make sure the money you’re setting aside for a down payment is in an account that’s earning interest, like a high-yield savings account or even a CD, depending on your timeline.

Without the right safeguards, your hard-earned assets could be vulnerable.

I shadowed two of them to a job site and discovered who the subcontract with and now save lots of money.

Secondly, There's no way I have enough money to put for down payment.

So how are experienced investors actually doing it when they say they use both HML and PML money to fund deals with “no money out of pocket”? 

Earn free cashflow from their business.2.

@Kelly SchroederPrivate money for purchase and DSCR loans to refinance out of the private loan.

For wholesale deals, they'll likely want you to use hard money.