In Japan you can buy just about anything you would use a credit card or Yen to buy (actually that is true in many Asian countries, including Singapore where I lived for 10 years); Or back here in 'merica, we can even buy a Whopper at Burger King!

I have a Associate Degree in a completely unrelated field.Seeing as how we are planning to make real estate the foundation of our day-to-day income stream and long-term "retirement" strategy, it feels as if making another change of profession is in the cards.

My current situation - I have a FICO of ~630 (no late payments or derogatory marks, just credit card debt from school). 

All of those, including permanent life insurances have their place in a personal portfolio but some people believe that because one specific product does not make sense in their personal situation that it should never be used by others.I am using credit card debt for some of my investments.

If nothing else, offering a small reward like a gift card to their favorite restaurant (ask when they initially sign the lease) helps.

A Heloc is a open end mortgage like a credit card so its an additional trade line on credit, cannto never be used as an Asset, PITI reserve, and its a DTI killer in most cases.A heloc is also usually set up on a shorter term versus a mortgage, carries a Higher interest rate, and most carry a interest only with a prepayment penalty.

Commit to spending less, paying off high interest credit cards, maintaining positive cash flow in your personal finances, and cleaning up your personal balance sheet.  

By changing the name, you retain the benefits of your existing LLC, including the D&B account, bank account, and business credit card.

Keep in mind you need so many different website plug-ins and features and you have to make it secure for credit card processing.

The quintessential PNW small town.