a personal property is not a money maker…at best it’s a money saver to help put you in a homeA rental requires… discipline, clear financial accounting , LONG TERM EXPECTATIONS… AND knowing NOW…THAT YOU DONT PLAN TO SELL OUT WHEN …YOU..ARE READY.

Utilization will be better on your credit if you use $50k of a $200k line vs a $100k line, just make sure you’re disciplined when it comes to using the funds and paying them back. 

Benefits are that you're not 100% on you own, you'll probably get some faster business, you might learn some from an experienced agent, you can see how a team operates, you might see a more disciplined approach to the business and perhaps get to hang out a bit or be in the presence of someone organized.   

Over time, responsible financial habits will repair your credit.Your goal of 20 paid off homes by 55 is ambitious but doable if you start now, educate yourself, repair your credit, and stay disciplined.

Discipline + Determination + Perseverance = Success.

It takes discipline and consistency to be successful in this business, but I absolutely love being free to run my own business. 

For arena/work surface footing, you want footing that is as versatile as possible, unless the show grounds cater predominantly to one particular discipline - for example, reiners and jumpers have different footing preferences so you'll want to plan accordingly.

The question is do you have a clear path for that money, the discipline to use it only for assets that will produce an income to pay off that debt or service the monthly payment.

Just need to have the constancy of purpose and discipline to know where you are in the cycle and how to invest accordingly.

I'm very disciplined when it comes to money, and live frugally.