Any REI starting out with families wi student loans?

[Nhia Yang]

Hi there! I'm a stay at home mom of 3 (ages 6, 4 and 18 months) my husband works 40 hours --- and we are sooo eager to build passive income! Did any of you start out investing with small children as well? 6 months ago, when we decided to embark on this journey, i was stumped to discover my credit score was too low (no credit history). Right now we have 10k alloted to invest, I've been building my score to 630 (still going), my husband has a high credit score (900 range) but he has a massive amount of govt funded student loans.

We decided I stay home until the youngest is old enough to be enrolled in school. I've read books, forums, blogs, watched videos--just about whatever I can get my hands on to learn about REI. We are currently renting an apartment to live in (rent includes utilities so we have more $ going towards capital).

Can each of you share how you started out? What advice do you suggest? I've been crunching numbers using the BP calculator, evaluating properties (targeting MFH). We plan to get at least a Duplex via FHA or up to a quad plex to really gt our feet wet as a landlord, maitenance, legal experience, etc. I just feel like we have a rough picture of where we're going (end result), but really need to map out how to get there. Realistically, what things worked for you in your circumstances and kept you going? Thanks, Nhia.