@Kyle Bouldin I am a civil engineer by trade, but I do quite a bit of land development of my own throughout the Valley, including Pinal County. 

Lenders will want to see 2 active open trade-lines for the past 24 months with on time monthly payments or a credit reference letter from a creditor. 

I trade properties and broker them too. 

Nathan,I don't mind offering answers but please make sure this is not an "Ego Battle" I am here to help and honestly I am an FDIC Banker - Not a realtor so I am the one who offers the financing.Regardless of 6 months - Yes you can use college from a major university or trade school!

@Eduard Gibert RenartBecause on a note you are getting principal and interest back and it’s hard to reinvest a very low payment.What you are also missing is the tax consequences in these situations which can have major impactsI did a post on this In tax liens advising where 8% is far better than 10% and illustrated this example.

Fraud is a crime, they are consequences for committing it and it's not a question of IF, but WHEN.

I want a specialist that's an expert, and not a jack of all trades and master of none.

For me, personally, it's areas that are landlord basic to friendly, strong industry growth or potential growth, and personally I trade/buy/invest in houses that I see inventory pick up but the fundamentals stick meaning it's a great area.

@Karolina Powell so you want to trade cashflow for appreciation?

Have you thought about trading the fiveplex for a Class B duplex in a Class B neighborhood and move into one of the units and rent out the other??