@Sandra Ho, It sounds like you are talking about late payments on their credit report for things like credit cards, car payments, student loans, etc.

Real estate will not be the get out of jail free card without these things in order.

I'm chez, and I've been lurking on BiggerPockets for a while now, soaking up all the incredible knowledge here. I'm finally ready to take the plunge into real estate investing and am super interested in the potential ...

It's a great starter book for the financial foundations of real estate investing: https://store.biggerpockets.com/products/set-for-life-revise...I would also recommend Small and Mighty by Chad Carson: https://store.biggerpockets.com/products/small-and-mighty-re...Real Estate Rookie: https://store.biggerpockets.com/products/real-estate-rookieHouse Hacking: https://store.biggerpockets.com/products/the-house-hacking-s...

It's a great starter book for the financial foundations of real estate investing: https://store.biggerpockets.com/products/set-for-life-revise...I would also recommend Small and Mighty by Chad Carson: https://store.biggerpockets.com/products/small-and-mighty-re...Real Estate Rookie: https://store.biggerpockets.com/products/real-estate-rookieHouse Hacking: https://store.biggerpockets.com/products/the-house-hacking-s...

Honestly, as sexy as it sounds to be active and go after them on your own, as a rookie, even with some book education, the real world can knock you on your azz so I would suggest going with a very experienced and proven sponsor.

As for books, here are my favorite rookie recommendations:Set for Life!

@David M.If it’s unsecured debt it’s just like a credit card.

Also, Credit Card suggestions for best business card for benefits / perks right now?  

I’m a rookie investor currently researching the ATL market for potential BRRRR opportunities.