This also includes a few credit cards that are used for business expenses.

Also, your DTI can sometimes be more flexible depending on your credit score or reserves, so it’s worth asking the lender about that.If your DTI is still too high, try looking at ways to lower your monthly payments or increase your rental income.

If you are looking for loans on real estate or a business lenders don’t necessarily care about the credit history of the LLC - they care about the performance of the asset and your creditworthiness since you will most likely have to sign personally.I have established multiple LLCs just days before closing on large loans for different assets, those particular entities barely existed and the banks did not care.If you are talking about pulling a business line of credit (like a HELOC, but against your business equity) then the banks like to see some history of revenue.

Because if I use my credit card to pay for a pizza, I pay a $0.00 fee. 

@Stephen SmithWelcome to the community and be ready for a huge amount of information at your finger tips.

Welcome to the community and be ready for a huge amount of information at your finger tips.

Do you have any tips how you obtained the phone numbers online from the MF property list you got from Listsource?

FHA is only really the better option for poor credit - otherwise a 5% down conventional loan is cheaper and less stringent.

Leave credit cards at home in the freezer in a bag filled with water that has frozen over....lolAmazes me how many people fall for these types of programs.When I buy NNN properties either my buyers wanting to own direct and I find the property or whether they are accredited LP investor on my syndication deals they learn with me while they INVEST CAPITAL to own fully themselves or a piece of the deal. 

Are there specific considerations, tips, or challenges I should be aware of in these areas?