If you really don't value your agent's ability and think you can do it better, it's likely best that you 1) interview more to find one that you do trust, 2) go through the listing agent, directly, if you're that comfortable with handling your side on your own, or 3) maybe get your license so you can control your side of negotiations with the proper tools needed (MLS access with agent info, showings, contracts, tax records, uploaded listing docs like surveys, disclosures, broker assistance for questions, etc.).

In any case, we set up the date and time to speak with an attorney at which point he told me that it would be $149 and asked for my credit card information to complete the appointment.

Main Account - Checking account to set up transfers or draw money from for mortgage, insurance, taxes, etc. and I get a Baselane debit card (physical and virtual)2.

One objection that is common now a days is the first mortgage rate being low and the home owner not wanting to lose that low first mortgage rate.The other objection is they want to use the Heloc like a credit card only making a payment on the portion that they use rather than the full amount.

If you had 50k in credit card debt for business startup costs (not real estate) with a 3-4-year plan to pay it off, high debt utilization in the meantime and a 620 credit score - but wanted to start investing in rental properties - what would you do with 20k that falls into your lap?

Would also recommend getting a business checking account and credit card so that your personal expenses aren't mixed in with rental property income/expenses.

@Joe Villeneuve I have a similar situation, I have a 743 fico score, with a credit card that have a remaining 12,000 to pay off a 20,000 card.

I was recently laid off and have accumulated about $20,000 in credit card debt, primarily from paying last year's property taxes and covering a few months of living expenses.

Our bank offers Deposit only cards cards (looks like an ATM card) that we give to each tenant with their name on it.

She has a great online portal for uploading documents and is happy to help with specific questions.