Originally posted by @Sean McManus:@Andrew Postell Investment property 2-4 unit investment, 25% down is the standard (SFR is different)I get spam from lenders offering 20% down 2-4 unit, but you call them up for a scenario and they come back with points/fees/rate combo that kills cashflow and no one will want.

We get spammed and cold called by HML pretty frequently.

NO SPAM/NO HATE.

Judging from the volume of spam in my inbox, HML are a dime a dozen.So there you go, that's I believe what you were trying to scratch to find out.

I care deeply about not spamming people, that my message resonates.

@Roger Mejia the first thing I'd recommend you do is get copies of your credit report from the different agencies.I believe you can do this once a year and because there are so many credit related spam sites out there, I always recommend people start with an official government website on ftc.gov and then branch off from there.You'd want to do this to see exactly what you're dealing with, to see if there's any inaccuracies in the report you can challenge, etc.Other than that, you'd have to do some research and make a plan on which items to address first.The easier thing to do would be to talk to a good mortgage person who can tell you which items on your credit report are most affecting your score, and then s/he can tell you which ones would get the most "bang for your buck" in terms of affecting your score if you clean them up somehow.It may be that you have to wait a year for things to "roll off" in terms of recency, and thus affect your credit less.

Make sure you understand their buying criteria so you arent spamming them with a bunch of stuff they arent interested in.

., curate for me which of those listings are actual good deals, you're doing nothing.It seems that many agents just want to get as big of an email list as possible to spam their junk, and that's their entire business model.Agents that want to sell your property. 

They probably thought you were spamming members. 

Just be aware that spamming is not allowed, so they need to genuine connections and real (wanted) conversations.Here is a link to paid memberships:https://www.biggerpockets.com/membership-typesOne final recommendation is to set a goal for daily posts in the forums.