But… banks reported being “more likely to approve credit card loan applications.”

Contractor payments, online orders, card swipes at home improvement stores, utility payments...

Connect all your cards and accounts.

Traditional bank loans might not be in the cards just yet due to your income history, but don't let that stop you.Enter the world of hard money lenders and private money lenders.

That's the business that I just was approved for an Amex Blue card. 

There are four main ways that I recommend: Appraisal reports, comparable sales, tax cards and national averages.

A buyer usually prefers new appliances included because they are getting rolled into their 30 year long term financing and even at current rates that is a lot cheaper than buying them later on a credit card. 

I am in debt with mostly good debt, a little bit of credit card debt.

Consider getting a credit card or doing other responsible actions to build credit if you don't currently have any.Note that the secret to real estate investing is patience.

(Just be sure you are near public transportation or this will be very tough to pull off.)The thing to be careful about in New York is that the law here is very, very pro-tenant.