And even fewer people seek to improve their ROI on BOTH the things they are not achieving and the things they are achieving.

This often means a smaller down payment and lower monthly payments compared to a traditional bank loan, especially since the seller may not be tied to the high interest rates banks are offering.Another option is a land loan from a local credit union or bank.

I often look at them and think if they can do it, probably I can have some level of success too.Other key info I may have left out above:1) I am not in the US, and have no plans to visit or move there2) I am not a US citizen, but possibly have a credit history there (maybe none) since I attended university there many many years ago3) I am completely new to real estate - I've been reading crazily and consuming lots of content.

Before you get too far, I would go talk to every local bank and credit union in the area you want to do this. 

Additionally, if the market conditions improve, you might have a better opportunity to refinance at a more favorable rate.5.

@Otis Clayton You say "I am at the point that I want a partner with some cash and credit to refi the deals I get from marketing and talking to sellers"Based on that you are looking for someone who has cash and credit, wants to invest/benefit from real estate but does not have time to find deals.Look for someone like that, be clear on their role and your role.

Potential buyers (good credit, income, and savings) holding off because of high interest rates.

By the way, credit card expenses count when charged, not when the credit card bill is paid.Buy more stuff.

Quote from @Lorraine Hadden: What are some strategies you have used to improve or rebuild credit? 

I like the one that requires payments to be deposited in an escrow account:New York state law requires that consumers receive a written contract for home-improvement work that exceeds $500.