Someone with a 700 credit score and good job.

- property values soften (keep it realistic, US real estate has never lost value over any given 10 year period in history and you can't plan for a nuclear war..)To counter-balance these negative scenarios you have: cash reserves, credit lines, W2 income, maybe business income.

I received wire transfer instructions to a credit union in Utah with a totally different account name than the company.

Aim for a 620+ credit score, save for a down payment, and research markets with strong rental demand.

I want to scale, but not sure how to develop my strategy.I have a $200k HELOC and excellent credit worthiness and high income from my day job.

same with HVAC and other big ticket items.with that said, i don't invest in Indianapolis, but you're likely still in a sellers market, which means that sellers are going to be less inclined to make fixes / give credits for issues. 

@Roy LoganIt sounds like you’ve made some great moves in real estate investing—your BRRR strategy is paying off with those solid returns.At the bare minimum, you should do the following to make your bookkeeping easier:Dedicate one checking account and credit card exclusively to real estate.

There are several benefits of having cash in the bank/liquid reserves versus an open end mortgage (a.k.a) credit card.

Check with credit union.

I have no debt, significant equity, good W-2, and excellent credit.