(This assumes you have a credit card available to pay for any repairs.).

Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!

When I first started out I purchased everything with 20% down and had enough available much through credit cards which can be problematic also to withstand a few months of vacancy or a $10k repair.

I am considering doing this with a 0% APR credit card to avoid a loan. 

Now, as a mortgage banker, I’m passionate about helping others navigate the world of real estate finance and make their investment dreams a reality.

ACH transfers are free, but if a tenant wants to pay with a credit card they will get charged a fee.

So I ended up using 0% interest business credit cards which I liquidated to purchase and renovate my property (total credit limit of about $95k total).

I was thinking that the post card thing was worn out, but maybe if one targeted the postcards to reference only addresses that were actively seeking renters on Zillow or Redfin, one could avoid all that waste that comes from blanketing every address in a zipcode. 

I have a big dream to visit there one day; she has since moved back. :) Wishing you the best in your business. 

Ask your PM how to come up with some strategic incentives...possibly listing high and reducing every 7-10 days until it's rented, offer a move in special, a gift card, future rent credit, etc. 4.