I feel direct mail is another great method.

The lender is legitimate, they are the local credit union and I have a bank w them.

Many would suggest against RE investing using retirement money but if you go into low risk opportunities it can be a powerful diversification method.

Legitimate lenders may charge a small application fee (around $250) to verify you’re serious, but if someone’s asking for thousands with no real intention of closing, that’s a huge red flag.On a more positive note, there are creative financing approaches out there.

The BEST method for real estate investing is very simple: increase earnings, reduce expenditures, save, and invest from your own funds.You should focus on increasing earnings and learning how to manage your budget.

It’s all BS.If AI truly worked, there’d be no need for DMM, D4$, cold calling, or any of these other methods.

Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio.

This depends on if you are using the Cash or Accrual method of accounting for tax purposes.

What other methods should I use to acquire another property? 

If we bite off people’s heads when they admit disaster, it suppresses legitimate issues with these techniques.