He told me he had no way of coming up with that kind of money but he was going to try and increase his CC credit and ask his friends for loans until he could get his first deal.

BE WARNED.https://www.biggerpockets.com/forums/79/topics/506318-brian-gibbons-just-another-guru-hustling-you-out-of Charge back and/or email to state Atty generals office in your state as well as the state the teacher lives inBe sure to CC the teacher on all emailsState Attys offices truly get results every time ihad to resort to contacting them

I am racking up interest on CC's at this point for taxes and clean outs on properties.

We have a separate points cc's for all of our budget categories and we pay it off every month....

This will typically  be less than the closing costs of a 2nd refinance (and certainly less hassle) once the cards are paid down and your FICO jumps to where it should be.Also note that FICO does not 'remember' CC balances for scoring purposes.

I plan to have all CC debt gone by year end, which according to the credit score simulator on my credit card (using transunion data) It should bump me up to around 640 or so.

I think of East of Montgomery as B/B- and West as a C/C- neighborhood.

I am currently looking into getting my realtor license, and Sinclair CC offers online courses for all of the classes.

C/C better to hire a PM.

Just borrow $10k from a few relatives or cash advance on your CC's.