Yup $325KSo Mr Gold and I split $165KI had to pay back a bunch of crap that I had put on my CC due to that stupid contractor though, but hey,.. no I have my own Mr.

Focus on paying off the CC and car loan (both sources of bad debt), and eliminating bad money habits - this is absolutely fundamental to long term financial success.

Should the tenant be required to pay the CC fees if they choose not to do auto deductions?

They borrowed hm and used some cash/cc for additions/changes during construction.

Send them a copy of your contract with the price highlighted and cc the title company on it.

I would focus on repairing your credit. see a specialist (faster) or open credit cards little by little and pay them off each month. im not saying increase your spending, just saying instead of buying that tank of gas in cash use a cc and immediately pay it off. while your credit is repairing, start banking cash. build a budget and stick to it. 80K a year is good money, make it a goal of yours to retain as much of it as possible i.e. don't eat out, don't go to the local pub, drive a modest paid off car etc. once your credit is up and savings is up, use the 80k a year plus savings to get leverage. then use that leverage to buy your properties. if your looking for a get rich quick scheme, id advise u skip over RE. don't get me wrong, you can make money fast by flipping homes but you didn't mention having experience in that area so I assume you don't. another option if your really in a hurry is to find a partner with experience and cash, and see if you can buy into one of his/hers deals. you would have to market yourself for this and see what type of skills they may need that you have. maybe you can buy in and use your web development skills to beef up and/or maintain your partners website saving them money on outsourcing. that might be your ticket into a partnership. since you mentioned your helping your friend, maybe you can partner with him?

Get your CC paid off, and start stacking that cash!  

I would give it a C/C- building in C/C+ neighborhood, one on a lake and the other close to downtown.

I know of people who used to invest in car liens and companies that would buy defaulted CC debt.

I do have a car note though (roughly $12,000 left) and some, but not significant CC debt so I'm not sure how this would affect a mortgage approval.