Just chatted with an investment broker yesterday thinking that THIS IS IT, but my main problem is debt to income ratio.I don't hold any auto payments, cc debt, college loans but when looking at the expenses of a property (mortgage, hoa, taxes, insurance) plus personal expenses (mainly rent from primary residence) all that debt adds up to quite a lot more than my income.For an investment loan you need your income to be 2-2.5x the debt of the property your investing in.

Cash flow and formulating an effective long range plan for growth.My CC is ready, Amazon is up and I am ready to order

Disclaimer: I haven't read all these yet but they look like some of the better ones worth reading...https://www.commercialpropertyadvisors.com/master-...http://reinvestingassociation.com/benefits-master-...https://www.reddit.com/r/CommercialRealEstate/comm...Sample Contract: http://flipguys.com/wp-content/uploads/Master-Leas...cc: @Don Davis

(I'm guessing you don't have a debit card or CC tied directly to your HELOC...).  

I tried CC and BCC but it doesn't work 

For that you will get a C-C+ SFR that rents for about $900/mo.

As @Jon Holdman mentioned, if they can't provide cash/money order for deposit and 1st months rent, then I don't even consider signing a lease.If they want to pay the deposit on CC, then you might as well call up your lawyer and have them prepare the paperwork for eviction because it'll be eminent if you take on that tenant.

I already have my career started with CC Myers Inc as a project engineer, however I wont be making my full salary (70k year) until I graduate in 2008.

Just take simple steps like paying off anything outstanding on your CC, and get below your maximums. 

@Liz ColeHere is a good summary of the typical cash flow property that most Investors go for in South Bend and Mishawaka that I posted in a thread about 6 months ago.https://www.biggerpockets.com/forums/517/topics/50...Note: I specifically pointed out cash-flow not appreciation.There is room for more Investors in this category (C-/C/C+).