No interest credit card for 16 months?  

I use business credit cards and a heloc as well as cash and 401 funds but can always use more sources. 

If the calculation is equal to 1 then you are not making money, 1 represents that you have enough cash flow to cover your dept. less than one means you were not making money and greater than one means you have a cushion and making money. banks look for above 1 because they want to make sure you will be making enough money to pay them back and that you will have the money should costs rise and change your NOI, I know my bank looks for 1.25 DSCR . usually they just do not look at the properties, they will look at your personal situation ( credit card dept, alimony payments, medical payments) especially if they want you to personally back up the loan. there are a lot of explanations and probably better than i explained, all you have to do is look up DSCR, hope that helps.

The HELOC is great because it is essentially a credit card with a low interest rate. 

I bought my hose hack duplex while still having student loans to pay off, car payment, credit cards.

@Mark DiGioia Accepting credit card payment or any type of merchant payment runs the risk of the payment being disputed and in some cases the payment get refunded to the customer.

Those that are tend to keep their cards close to their chest.

I found the tax card online and he paid way too much and on top of that let several lots go vacant in the meantime.

I still had a maxed out credit card that I just couldn't seem to pay down at all because of the amount of interest every month.

@Sezuo Daudu like most investors on (and off) this website, and especially in Chicago...anything outside of “A” And “B to B Minus” areas just literally don’t exist to them.With $150k in funds you can almost two buildings if you play your cards right.