My one tip would be, its not about getting wealthy quickly, but more long term.

This is a pretty simple deal for a bank/credit union in the area to do a DSCR loan.

I share tons of free tips on my instagram @ericaoohdesigns and you can also check out my Bigger Pockets podcast episode (933: https://www.biggerpockets.com/blog/real-estate-933) where I share my exact "Designing for Dollars" formula.

Share your tips—I’d love to hear what works for you! 

This year, I’ll be sharing tips, insights, and lesser-known strategies to help you turn your housing allowance into an asset.

Right now, we’re carrying about $60,000 in debt ($40,000 in credit cards and a $20,000 car loan).

Then what happens is the lender reports your payment history to the credit bureaus and each time hereafter if you ask for another loan and the lender pulls your credit then they are going to see your payment history and whether you made your loan payments or not which will likely influence whether or not they lend you money. 

I own the property free and clear and i use the equity as part of my business line of credit.

All advice and tips are appecriated, thank you

I have one lender that will go up to 85% but need 720 credit or better and 1.25 DSCR no rural areas