Credit Issues

[Desiree Smith]

I am 24, my credit has been totally shot from school loans and credit cards the amount isn't high but many deragatory accounts. i currently have 40k in the bank and want to buy a duplex. i'm assuming it would have to be owner occupant because i don't have another house to live in. my credit is now up to 633 and i've been working on it. the score for becaon score is 670. what do u thik the best route to becoming a landlord could be. i just need experienced oppinions because i'm afaid and lost.