An A+ credit file will have those 5 accounts open for 24 months...I say that because you won't necessarily be able to open account this week and then check back in a month... open the accounts get you started what helps your credit is managing those accounts successfully overtime.There are a few ways to speed up the process and give yourself an established history in a couple weeks instead of a couple of years... it won't work for everyone but it will help in certain circumstances.Reporting Rent To Credit: This can be done in a lot of different ways.

If you ever have to file an eviction in California you need an attorney whether you live there or not.

A few counties have in-person tax lien auctions, not through GovEase.com, but it is the same rules.Alabama tax lien investors can only accumulate the correct number of tax liens for the correct number of years and then file a lien foreclosure lawsuit.

Prepagent also has a massive pdf file for all of the vocab, as well as flashcards and vocab study guides.

But since that is the choice you have made: I don't know what it is like in Pueblo; but in Mesa County where I live there is a person on staff that walks you through the process and the necessary paperwork that needs to be filed (they don't fill it out for you - just provide the steps).

Much better than spending the first 10 days of each month waiting for checks.I keep original loan docs in a fireproof safe and electronic copies on computer (each loan gets its own file). 

Why not run different scenarios on your tax program that you use to file taxes or have your accountant do it (if you use one)?

I would start by filing a Property Appraisal Protest Application with the County for each Lot.

And of course there is the usury issue to deal with when you go over 10%.Unless you're doing volume, why not just download a note & dot from Fannie/Freddie, it's a .doc file so you can make changes.  

@Donna Carroll its nice that your venting here on BP.. and in the for whatever its worth file... real estate requires some money some experience and some credit 95 to 99% of the time to pull deals off.the only way you can do this without it is finding a money partner first that is close to you... and that wants to help you with no expierence or other qualifications.. its just tough.this is why I like to advise folks to at least get a real estate license and if you can work part time that will get you hob knobing with those in the business and you may just run into a client or someone that really takes a liking to you and your drive .. and will over look these other things and do a deal with you.