Clients are getting much better terms using their local credit union, and generally really appreciate being the good advice and direction.

Everything he teaches about personal finances (budgeting, car loans, credit cards, etc.) is spot on.

Mint did a decent job for me previously, and Credit Karma is less adequate. 

The closing attorney or title co will draw up the closing statement so each party will know exactly what their costs, credits or debits will be in closing the transaction.  

I don't charge security deposit or move in fee nor do I care about credit. 

But 3) Try multifamily specific brokers, crexi and loopnet, although 2-4 units maybe scarce. 4) A home equity line of credit is a good source of funds however it will generally make your overall monthly payments higher, so unless a deal is very solidly cashflowing, a HELOC may put you into negative cashflow. 7) Typically electric/gas are paid by the tenant - however this isn't true across the board. 

What is your roof goes, a heating unit.... you're credit card debt could build up quick as a result of this putting yourself in a bad situation.

Currently my credit is under 515, I know I can fix it but need more income and cash.

Would be interesting to hear experiences others have had..The expectation for rent being used to help build credit has slowly grown over the years.

@Jaycee Greene I’ve contacted big banks small local banks and I haven’t quite tried credit unions although I have 2 credit unions for which I have accounts (but my experience is that they aren’t offering that much better terms).