As long as you don't try to increase your lifestyle/consumption to match what you start accruing (cashflow and assets) in real estate, you should be retired quickly.  :-)

On top of that, 6k out of the 8k in CC balances are not accruing interest due to a very low fee balance transfer offer that we got on one of our existing CC accounts that we plan to pay off before interest hits.

I'm just asking out of curiosity sake mostly to understand it.

One person noted they try and scam you with "simple interest" accruing daily (and at a very high rate) vs. compounded interest at the usual private lender rates. 

I understand that depending on what your area was like when you first started out there may be some people who only submitted a few, and there may be some whose magic number was 80+.So just out of curiosity, what was your general ballpark as to how many offers you made prior to your first mutually signed contract?

It also might be worth investing in a RE private placement fund depending on your risk tolerance.Just out of curiosity want bank is doing your HELOC on a non owner occupied rental property?

Just out of curiosity, showing the entity docs is important because it shows how legit and serious I am about this business or is it because lender wont lend without an LLC?

Student loans, depending on the type, can be real back breakers because of the interest they accrue.

Didn't send them a check for the interest accrued?

On a $650k note, this is likely to be a large number, especially when the late fees and accrued interest are added on top.