The teacher was an actual financial educator but they repeated themselves a lot and were telling the students to go in and apply for credit cards DURING the course to purchase the next course for $15,000!

I prefer to have the least amount of banks as possible.Create a bank account that you already have a relationship with(Credit card or mortgage)The least amount of bank accounts is also ideal.

Assuming you go the HELOC route, another option to reduce your costs assuming you have decent credit is to look at credit card balance transfer promotions.Back in 2003-2004 I had HELOCs on my investment properties and interest rates were increasing.

How affective are physical mail cards with deal machine?

You should never use a debit card or pay for medical expenses from your HSA, ever!

I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

(This assumes you have a credit card available to pay for any repairs.).

While you save up work on building up your credit history with a credit card.

I haven't spoken to the county yet, but will make that phone call today.As far as financing -- I was leaning more towards getting a business line of credit or using a business credit card and rolling it over to interest free cards.

If you do not have a US citizenship/green card, there are some complications investing especially financing so it's really important to do research.