You could get an FHA loan of 3.5% down (you can put that on a credit card or line or credit).You could do a joint venture with someone who has money.

All classes feels the cards are stacked against them...some just choose to fold their hand and others choose to shuffle and re-deal.Taxes are not the cause for people staying in the middle class...having unfavorable tax treatment, or any personal or financial challenge, is the effect of people's decisions.  

So raising money via other people and using other means of leverage like bank loans and credit cards are the other thoughts that come to mind.

There are some who won’t take no for an answer, some will actually ask you to call your credit card company to raise your limit (right there on the spot) so they can charge you more!

Pay off your credit cards yesterday.

Spiral down may not be in the cards yet for many locations.  

Rule of thumb with credit cards: whatever your balance is, divide by 3.

I don't mean to go against the grain of those who are selling that idea - all I can say is that it did not work for me.So.......... back to taking seminars, buying cassette tapes and books - I wanted to learn everything I could about investing in real estate ---- so--I had to get money, working capital, and I needed to go on the cheap - A friend told me about cheap properties you could buy in Baltimore - houses for only $2-3,000 and many of them could be found at public auctions.After borrowing some money and getting some credit cards and a new job - one in sales - I was ready - ready to invest in cheap- junk properties in the City.And wouldn't you know it - I got lucky at my first auction and purchased a cheap house that was boarded up - Because of all those expensive seminars I enrolled in I WAS READY - prepared with my pry-bar, flash light, level, marble and probe - I decided to go to this building that was being auctioned the next day - I sort of removed some plywood and crawled through a window to take a look -Boy was I surprised - this place looked great - I later found out that the estate boarded it to keep squatters out.The next day - I was ready with my deposit and waiting for the auctioneer to start his melodious hypnotic chant - 5 bidders appeared but did not bid because they could not get it - I was the only bidder and got the house real cheap.Today as an auctioneer, investor and developer of commercial properties - if someone would ask my opinion on how to get started I would suggest ---Continue to study but learn how to cut through the BSGet a credit line Learn 20 creative financing techniques - no money down systems (that is none of your own money)Hang with a few successful investors and pick - pick - pick their brain*** Look at 50 houses in the area you intend to invest (not expensive, blue collar, mixed rental and home owner neighborhoods)When you are finished looking at 50 properties - you will be armed with knowledge that most agents and other investors don't have - knowledge of values -Keep a journal, put listings in it, write down everything the agent or owner says, keep a record of the cost per square foot - this will help determine values -Have agents send you expired listings - go knock on the door or send a letter to ask if they are still accepting offers on the property - Remember an expired listed is a property that failed to sell - the seller should still be motivated to sell. 

Does anyone do credit card churning?

If you are delivering results, you will hold all the cards in the future.