You may have to go FHA or put 20% down though.Obviously, get 2-4 USA credit cards and use them at least once every 3 months to start building credit here.You can also try to piggyback on someone else's credit history, by having them add you to their credit account.

I have a direct mailer company who can help you design and mail post cards for $0.51 a card.

In most cases, this is enough information to figure out if you have a deal that is going to benefit the client and make sense for them (this is assuming you can get an estimated value of the home you'll be refinancing through other means, otherwise, you might also ask them for their estimate as to what their home is worth).If you're past this point of figuring out whether it's a deal that makes sense for them and you haven't run automated underwriting to determine what documentation is being asked for, here's a pretty standard list:- 2023/2022 W2s (any/all jobs worked during these years, regardless of how long they were on the job)- Most recent mortgage statement for the loan(s) you'll be paying off- Copy of their homeowner's insurance binder or contact information for their homeowner's insurance agent so that you can request this on their behalf- Most recent pay stubs covering 30 days (typically this is the last two pay stubs)- If the property is in a homeowner's association, you'll want a recent HOA statement showing how much the borrower pays for their HOA dues- Copy of the borrower's driver's license or ID card - front and back- If your deal requires an appraisal, you may want to get payment information from the client now. 

A few questions that may help everyone in the forum offer more targeted advice:What is the 67k "non-mortgage debt" is it from a credit card or student loans, what is the interest?

Any advice or lessons learned from your experiences is greatly appreciated.Thank you.MarcoI use Zillow rental manager and it works great to list properties (cost $10 per week to list a property for rent), screen tenants (free for landlords, applicants pay $30 per person for credit report and background check) and collect rent (free for landlord and tenant unless they use a credit card then the tenant pays a fee), but it doesn’t report to credit agencies.

Heck, I still don’t have business cards and now I do MTNL strips with major chains.

I know this isnt what your looking for, but I had a property go vacant while i was rehabbing it(I didnt check the mail ever) and have gotten an insane amount of cards from wholesalers/investors. 

That is cheap enough you can buy them with a credit card cash advance. 

I financed the rehab with a 0% credit card (i strongly do not recommend that if you're new) and so i had zero finance or interest charges for the entire rehab. 

You're making yourself an easy target and there are a lot of unscrupulous people out there so please be careful and (speaking like the mom that I am) hold your cards a little closer to your vest.