Again even if you have great credit as you start to add more credit cards, mortgages, auto loans to your credit you can also be viewed as "High risk" due to Excessive trade lines in credit or higher DTI - debt to income ratios. 

The new design takes the home from a 3 bed, 2 bath to a 4 bed, 3 bath, 2,400 sq ft rambler on a large lot in highly desired area.

It can eat into your cash flow, but if you're earning high income from your W-2 job (I assume you are if you're buying in all cash), it makes more sense to use your time making more income versus managing maintenance requests as you scale. 

While may not have high amount minimums, they may have a minimum $ threshold for cc processing, Ours is $0.60, with a discounted plan that could be a few as 8 records.

And for sure I highly doubt those that teach the common wholesaling techinques are not up to speed with all these new laws in all the different states..

I want to go the buy-and-hold route, and I am interested in finding a duplex that will provide a steady cash flow, a high appreciation value and does not need renovations.

If you start a JV in name but do not give your partners proper control and decision-making rights and the deal goes bad you open yourself up to serious consequences which can lead to SEC violations with extremely high fines.Lastly, you can offer the project up to investors who have no voting or control.  

Nobody wants to be around people like this, so I’ve had to lower my rent drastically and have a high turnover rate here.

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

I wanted to share my situation and get some advice.I currently own an apartment in a highly developing area in Guaynabo, PR.