Where to start? Pay check to paycheck. Bad credit and no savings.

[Daaimah Brown]

Where to start, how to go about getting into first property this way? Suggestions? Need to know (i.e. research I should be looking into)...

Types of programs, properties and strategies. None of my own money? What are these portfolios for hard lenders?

Go on details count :-)

[Joe Villeneuve]

1 - Pay all of your bills on time.  This is a start to establish better credit management.

2 - Start by Wholesaling with the focus on using the cash from each deal to...

3 - Improve your credit by paying down your bills.  The first bills you payoff should ALWAYS be the one that have corresponding monthly bills.  This accomplishes 3 positive things:
1 - Eliminates that debt, which improves your DTI ratio
      2 - Eliminates that payment, which improves your credit
      3 - Frees up cash used to pay that monthly payment for use on a different MP

4 - Continue to Wholesale to accumulate cash to invest with.  This, joined together with the improved credit, will get you moving into deals.

If you focus, and don't get "distracted by shiny objects", and stay the course, can take very little time to accomplish.