My children have to get their credit score up in the high 700's .( pay their own cell phone, maybe get a utility bill in their name or get a prepaid credit card through their bank, it usually takes about 9 months to a year)  I've also had them get their realtors license so they can use their 3% commission to help pay the down payment. 

I can pay expenses for property via either account but easier with Debit card through the bank account and even do crypto investing through the bank account.

In round numbers:Rent:  $1000Tenant paid in two payments:  $600, and $405   -  $5 extra.The property manager is classifying the entire second payment as "pre-paid rent" because the total paid exceeds the amount due, and therefore only credited me $600.I can absolutely understand keeping the extra $5 to carry over to next month, but to keep the whole payment seems wrong.Anyone else experience this with their PM?

I think in the '80s we didn't even have debit cards, just cash.I was making about $500 a week, so I did the Bank round-robin thing (see above), deposited a thousand bucks in a CD, got $1000 loan, paid it off in 6 months, then applied for Visa or MasterCard through the bank unsecured.But to get back to bad credit and how to make money in real estate.If you go to buy your commercial banks you're going to need a credit rating with a good FICO.And you are going to need 20% down if it's an investment property or 3% down through FHA programs up to four units.That said, how can you make money with BAD credit?

Yes my bank account is being debited for more than the guest paid This has been going on since last week and all I get is assurances that  technical support is working on it 

We did a second home loan with 10% down and then prepaid the Mortgage Insurance.

Yep,  buyer closing costs usually run about 2% including pre-paids like taxes, insurance, interest and appraisal. 

HII have numbers to analyze, my property is value in $205,000, I already paid it off and rent it for $1400.I want to cash out  to do a new investment or BRRRR and I got this lender who offers me this for 30 years:$150,001.00(LOAN AMOUNT)///$205,000.00 (APPRAISED VALUE)///3.500%(RATE)///3.865% (APR)///2.942(POINTS)///$673.57 (MONTHLY P&I)///$840.24(PITI)///$7,596.34 (LOAN FEES)/// $1302 (PREPAIDS)///$141,102.66 (CASH TO CLOSE)Do you think is it a good deal or not?

(b) Pre-paid rent limitation.

You have the lawyer's fee which is the same for a $25K or $1M house, the rest has to do with credits and debits based on utilities, taxes, etc.