And a few from 0% interest for a year credit card loans too.

I think they used to go up to like 80-85% CLTV depending on credit score.

Hi Anthony, it sounds like you’re in a good position to start building your STR portfolio, especially with no debt, great credit, and rent-free living!

Who covers the tax bill when they don't pay the tax bill or the insurance? 

Out of my 32 properties, I’ve seen insurance rates drop by up to 40% on renewals, and property tax increases are finally slowing down compared to the crazy jumps we saw over the last five years.

Being a real estate professional allows you to treat the income as non-passive, allowing higher high income tax payers to pay less in taxes.

No matter your level of experience, credit standing, or financial resources, Property Investment Funding, LLC is eager to partner with you.

True re the prior poster, re this helping the seller save their credit, if you buy sub-to you will dramatically raise their FICO since the mortgage will show on-time payments.  

I understand that I need to account for taxes, insurance, and other costs—Should I go with a LML and then do a refi later on?  

@Andrew Self there are attornies you can hire to resolve your credit issues.