One powerful method is leveraging business credit cards to purchase and renovate properties at 0% interest and zero down payment.

I haven't spoken to the county yet, but will make that phone call today.As far as financing -- I was leaning more towards getting a business line of credit or using a business credit card and rolling it over to interest free cards.

Unfortunately, I canceled about a month in when I realized the scam.I signed the contract in good faith and tried to dispute it with my credit card company, but they lied to the credit card company, showing them only the first contract I signed.

For now, my immediate goal is to pay off all of my credit card debt (should be accomplished by February 1.), and continue to educate myself on NOI, Cap rate, cash-on -cash return etc.BP community, I am open-minded, willing to take initiative, always willing to be taught something new, but also ready to share any experience or knowledge I have that can help someone else. 

Hi @Ryan Kinoshita,I personally recommend Chase business for a few reasons: Really easy to work with, really good sign on incentives for both their accounts and business credit cards, and there are branches all of over the country making it easy to handle your business from anywhere.

Here are some financing options to consider:HELOC or Cash-Out Refi on Another Property – If you or your mom have equity elsewhere, this could be a more flexible and lower-interest option.Business Line of Credit – Since the property is in an LLC, you might qualify for a business LOC, which could cover construction costs.Private Money Lender – If you’re okay with 12-15% rates, a private lender could fund this as a short-term loan, especially if the guesthouse will generate strong income.Construction Loan – Some lenders offer short-term construction financing, which converts to a longer-term mortgage once completed.Seller/Partner Financing – Bringing in an investor or structuring a joint venture with someone willing to fund the build in exchange for a share of the income.Credit Card Stacking or Unsecured Business Loans – Riskier but could work if you need to bridge a gap until the unit starts cash flowing.Would love to hear more details—especially your timeline and expected rental income.

That's not the same as paying cash.According to a different post, your credit card debt costs you $600/month.

I prefer to have the least amount of banks as possible.Create a bank account that you already have a relationship with(Credit card or mortgage)The least amount of bank accounts is also ideal.

Have you leveraged lines of credit, private lenders, portfolio loans, or other creative financing options? 

Let them pay the deposit with a credit card.