And my only asset is that I am under 30, single and can move to any place to make my dream come true.

We've had pipe dreams for years and we are ready to really start making our dreams a reality.Our savings are minimal, since teaching isn't very lucrative and life is expensive. 

The credit cards can be stifling, but in the grand scheme of things, $40K isn't a ridiculous amount.

I am a mother of 2 and trying to get into this to save up college funds for them when they grow up so that they too can chase their dreams in life.

Passing up something that would allow you to make it your dream home isn't necessary.

Conclusion: Don´t give your credit card infos for "free" products!!!

I personally used business credit cards to BRRRR a deal—no money came out of my pocket.

@Nadir M. you would show 100% of whatever you collected on behalf of an owner.Of course, if tenant pays via credit card, you would NOT include the credit card fees, because you did not receive them.From the funds in your OPERATING account, you would pay any expenses on behalf of the owner, including your management fees - which you woul transfer to your PMC account.Owner will be paid from Operating account.Your vendors (office expenses, auto, etc) would be paid from your PMC account.Year end, you are require by IRS to send a 1099 with GROSS amount collected on behalf of owner.

Easy access to NYC, Boston, and Toronto makes this region a logistics dream.

Assuming you go the HELOC route, another option to reduce your costs assuming you have decent credit is to look at credit card balance transfer promotions.Back in 2003-2004 I had HELOCs on my investment properties and interest rates were increasing.