It was a little painful watching my stellar credit radically and quickly drop, and you must be extremely diligent about paying the minimums for the time frame.

A thread like this will invite some person to give a boiler plate response like "Your property management should make you more money" (which they're probably parroting from some podcast they just listened to).There are a minority of stellar property managers, but the vast majority are either 'meh' or major sources of incompetence and liability. 

Broke them into 'intermediate' and 'advanced' buckets: Intermediate listeners, know "enough to be dangerous": Joe FairlessMichael Blank (~30-45 mins):  some of the most approachable Multifamily syndication podcasts availableAdvanced listeners, "ready to nerd out":Long-form (~30-45 mins): Old Capital - Outstanding podcast with stellar hosts.

I try hard to stay in the world of cash and have not had enough credit to have a stellar score.

You can find stellar deals for $30,000 all day long. 

I'm excited to make my debut post here.

SIS founder, Edwin Kelly, recommended "The Self Directed IRA Handbook" by Matt Sorensen, which was stellar!

https://www.courier-journal.com/story/news/local/2023/10/17/...

I'm looking for the basic, but very responsive and with stellar bookkeeping.

At the time I was investing, (2007,08,09) the leader of the Rochester REIA was not the most stellar example of Integrity.