So if I understand correctly, RWN brought shady deals to their investors, watched them invest without proper due diligence and investors got screwed?

The information contained in this post is not to be relied upon.

Get an attorney and get these losers out then hire a property manager to properly vet any future tenants! 

The problem is, that's not proper accounting because a credit card is a liability, and doing this workaround will reduce your assets rather than increase your liabilities, which totally messes up your balance sheet and debt-to-income ratios.  

@Stacey OlsonRecommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

And how do I roll this into a cheaper mortgage (my dti would be too bad for another conventional).Maybe a lender would be able to consider the electric "working" with the proper inspection?

Did you get started after this post and how is the success?

Although, the posts here are accurate we take a different approach.

But, know what you want to accomplish beforehand.Creative Finance is a great way to buy properties when done properly and lawfully. 

You should connect with @Fed Finjap; I just saw on another post that he is also buying in the Chicago neighborhood ofLakeview and he recently went through some lessons learned on a 3 flat in Chicago.Check out his post:  https://www.biggerpockets.com/forums/922/topics/1223655-refl...