We've all heard the achievements the wholesaler is going make to help the homeowner.Nothing unique to your situation.

It’s nice and all, but in order to achieve the most in RE investing, I’d have to go into debt. should I avoid debt or should I dive in and allow my RE career to really takeoff?

It’s nice and all, but in order to achieve the most in RE investing, I’d have to go into debt. should I avoid debt or should I dive in and allow my RE career to really takeoff?

now the word aggressive seems to have nothing to do with what I am looking to achieve.

You can read it here. https://www.biggerpockets.com/forums/223/topics/408271-achieve-investment-group-closed-on-174-units-in-san-antonioWe pullout out 117% of equity (cash out of pocket 3.76m) within 12 months.

In an effort to keep myself accountable to the goals I set in Brian's thread, at the beginning of each month, I am going to start a thread recapping my previous month with the purpose of reviewing: What I accomplished in the previous month to help me achieve my goals.Where I fell short of my goals last month.

Now that you have achieved the goal of paying down debt you can leverage your good credit to obtain either personal lines of credit or if you have equity in your personal home you may leverage that as down payment money on a acquisition loan or use that to purchase low costing investment property, depending on what market(s) you are looking to invest in.I've personally was in your same position and used personal loans to outright buy investment properties in various markets and I wish I would have known about lines of credit prior to getting involved with loans.

The reason I ask is because your payment on those loans may affect your debt to income (DTI) so by converting a 15 year fixed into a 30 year fixed even with a higher rate you could achieve a lower monthly payment and by doing so you quite actually qualify for more.

We've been in touch with Memphis Invest but don't feel like the cash flow we could achieve with them would be worth while. 

I would love to have built a foundation by then and have some income starting to come in, but I will need training and mentoring to achieve this goal.