Hi @Rene Hosman -In a nutshell, I find motivated sellers and tenants with damaged credit (or ones without a large enough down payment) and work to put the tenants in the seller's house with an option to buy.

But remember that what is favorable now could come unfavorable in the future as they readjust over time.Reasons many landlords avoid vouchers include the hassle of the extra inspections, the perception of a worse tenant, and maybe the inconvenience of getting rent from two different parties. 

Both poverty and riches are the offspring of thought”Mans Search for Meaning: - “What matters, is not the meaning of life in general but rather the specific meaning of a person’s life at a given moment”The Richest Man in Babylon: - “To attract goodluck to oneself, it is necessary to take advantage of opportunities” - “Men of action are favored by the goodness of good luck”The Millionaire Next Door: - “Looks can be deceiving”

I received wire transfer instructions to a credit union in Utah with a totally different account name than the company.

Aim for a 620+ credit score, save for a down payment, and research markets with strong rental demand.

If you co-sign, the loan will consider both your incomes but also both credit scores, so her credit could impact the terms or buying power.

@Roy LoganIt sounds like you’ve made some great moves in real estate investing—your BRRR strategy is paying off with those solid returns.At the bare minimum, you should do the following to make your bookkeeping easier:Dedicate one checking account and credit card exclusively to real estate.

The numbers I’ve been running look really promising from a short-term rental (STR) perspective, and the area seems to have favorable STR regulations—or at least a lack thereof.

I just received an application from someone who meets the income requirement (3x rent) but not the credit rating requirement.

As my wife and I were reviewing it, we saw a few things in the application and on the credit report that looked funny.