Currently I had borrowed 12.5k to consolidate credit card debt and I can borrow up to 23k. 2) Would it be wise to roll this into my home mortgage so I can get the tax break for the interest and allow for more borrowing power from a credit union?

BUT, being sued, and loosing is extremely rare if you're reasonable careful.

Talk is cheap.So my last purchase (Dec 2031) was the extreme negative cash flow.  

I thought it would be extremely formal guys with briefcases and way over my head. i felt it rapidly grew my network, knowledge basis, and confidence that has propelled me to be successful in acquiring 300+ units over the last 4 years. 

If you're using your real estate license as a means to make the same/more as your W2, then you will face an uphill battle - unless you work extremely hard. 

$400,000 seems extremely high for a rental property.

Many jurisdictions will not record a subdivision plat until you've put in (or bonded) the infrastructure (power, sewer, water, roads, etc). 

While we don't get significantly higher rents, we have extremely low turnover rates.

It is a very simplistic way to get people to understand the power of investing.

Not only will you learn different neighborhoods, how to manage people, and costs of construction, but they can get paid extremely well if you get good and know how to work with the City.