Quote from @Adam Bartomeo: A tenant that pays their balance after they move out is almost like spotting a unicorn, bigfoot, or finding a pot of gold at the end of a rainbow.

Pay the balance before it's due. 

There can be redeeming factors that counter balance a deficiency in a particular area. 

Examples include:Capital One Spark: Great for cash-back rewards.American Express Business Platinum: Excellent for scaling businesses with travel needs.Tip: Pay off balances on time or early to build a solid repayment history without impacting personal credit.4.

I would look for a bunch of Sub To Deals with 2-3% interest rates ...... then rent out for cash flow and huge equity build up when rates are really low (check out amortization schedules and compare 2-3% vs 6-7% with the same balance and length of time - check out the principal portion each month - the lower the rate the higher amount goes to principal PLUS better cash flow).

My idea to buy a home is to get an 80% LTV 1st mortgage from a bank, take over that mortgage and give the seller a second mortgage for 50% of the 1st mortgage balance because I need some cash to cover the payments, which the amount of cash would be more than the remaining equity in the home.

We syndicated 75%, plus costs of the purchase price and financed the balance with a traditional loan.We shopped around for weeks to find the perfect loan with the best rates and terms.

The candid advice about balancing quality, building the right team, and adapting to challenges really hit home.

It sounds like you're looking to balance immediate cash flow with long-term equity growth, which is a solid strategy.A few ideas to consider:Local Networking: Connect with other investors in your area or in Milwaukee who might have deals they can't take on themselves.

@Mary LopezThere are second tier lenders out there (non-banks) that will do small balance commercial.