I have 830 FICO, but The only hard money lender that seems to work with lower downs and rates is Easy Street Capital. 

Buying my first home (3 unit) was easy, I live in one and rent 2 others.

You find some who are responsive, clear, and actually make things easier, they get you the funds on time, answer your questions without rolling their eyes, and don’t surprise you with hidden costs.

My 80% number was just pulled out of thin air but I wouldn't be surprised if it was in the ballpark.It's hard to quantify.

You'd be surprised at how many opportunities crop up amongst groups with trusted relationships.

That surprised me.

Sure, a $100K home run is great but as things tighten up, that equation may not be as easy as it once was. 

From my experience, it’s easy to get overwhelmed chasing deals everywhere, but real traction comes once you really know one market inside and out.

It's completely doable, relatively easy, and fairly cheap. 

I think you'll be surprised at how different what he does is compared to traditional REI.