We had to pay the utilities directly to Baltimore City to stop the late fees from piling and have our credit affected.Maverick, on the other hand, continued to advise us to be patient.

Lead Shirpa is a great skip tracing service Yes you can target motivated sellers.We just made 43k from a Post card inquiry.

In some cases they cannot pull the money out because it is now (Non-owner occupant) an investment and their credit union or bank may cap them at 70% or 75% MAX LTV.Nothing wrong wiht putting 10% down on a primary but look at the rates on both 5% and 10% usually when you have PMI built in the rates stay the same.

Small banks and credit unions focused on farm/agriculture tend to be the most aggressive with land/lot loans.

This new property is pumping out around a 10.5-11% cap currently.My credit score is not great as it sits, hovering around a 650 but slowly increasing as i'm paying off debt.

Some of the specifics are credit score, DTI, signed lease agreement, and whether or not the lender accepts rent (house-hack) as income.

Depending on the lender and program your biggest hurdles might be credit score and income and time in job. 

There are several benefits of having cash in the bank/liquid reserves versus an open end mortgage (a.k.a) credit card.

Take for example, while representing buyers in single family transactions, during the negotiation, I ALWAYS ask the sellers to credit the buyer(s) up to 3% of the asking price toward the buyers costs.

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