The majority of investments is a game of "race to the bottom" and "who holds the cheaper debt" card. 

Making the wrong hire, overlooking the risks, taking on too much debt.

They look at your credit profile and get you business lines of credit and credit cards.

Regarding the HELOC question, consider the interest rate on the debt.

Just a follow up question, were you utilizing debt to invest, I have always been taught since a young age to try and not utilize debt (I come from a family of stock market investors, traditional business owners) where debt is not utilized as frequently which I obviously understand debt can be a very powerful tool and utilized in a great way its just something I want to avoid with my investments to an extent any suggestions for investing without debt or as little as possible. 

With your experience and possible skillset, perhaps finding a company to sponsor you for a green card may be a better option? 

What about Debit Cards attached to a checking account?

But it’s easy to learn and will auto download all your bank and credit card transactions.

Quote from @Kevin Sobilo:Monthly Rent + Monthly Debt Payments <= Gross MONTHLY Rent * 45% Obviously I made a typo.

I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.