I have a background in consumer lending in a nicer area of town - typical clientele are 750+ FICO with cumulative DTI (with new debt) of <35%...

I have a Associate Degree in a completely unrelated field.Seeing as how we are planning to make real estate the foundation of our day-to-day income stream and long-term "retirement" strategy, it feels as if making another change of profession is in the cards.

A third reason could be that if you don't do this right, and have to bail on the investment, you could end up under enough debt to lose your primary home.

It links to your checking account and credit cards. 

The combination of lower debt costs and rising cap rates is reinvigorating investor interest, particularly in prime urban locations.

new to this and just looking for some advice guess i really i don't no where to start so any advice is appreciated bought my first house in may and thing seem to be going well so far its more of a boarding house / house hacking roommate situation with people i know for the moment plan on doing some things to up the equity but am limited on funds i know the neighbors house just sold for a bit more then i paid for mine so that's a plus and mine is nicer and in better shape i have almost no debt for the most part except the current mortgage on said house don't make much from my day job less then 3k a month after taxes and have good credit. i guess i just really need to know where to start should i be starting a LLC or something similar?

Selling could free up equity for rental properties or debt reduction.

@Joe Villeneuve I have a similar situation, I have a 743 fico score, with a credit card that have a remaining 12,000 to pay off a 20,000 card.

If nothing else, offering a small reward like a gift card to their favorite restaurant (ask when they initially sign the lease) helps.

Alternatively, you can try and figure out your DTI (debt-to-income ratio), that should give you a general idea as well.