Ready for two more apartments in 2024

[Bianca Cadogan]

Hi everyone. I currently own a 4-unit apartment in Montgomery County MD. It's going well now that I've fixed alot of problems and I'm ready for my next two as I put all my focus on this one. My credit isn't too high due to me fixing up the property. I know the value is up but my credit is down. I'm looking to purchase some properties in Phoenix, AZ and Cleveland, Ohio. Would it be best to wait to fix my credit so I can take out a HELOC or finance the properties using a hard money lender?