A true Portfolio program offers a 15% Down for any SFR or up to a 2-4 Unit Multifamily but requires proof of some sort of income.

I’ve gone back and forth on doing grocery cards, gas cards, or restaurant cards and feel the discount just works better for me.

There must be an egress in all sleeping areas and make sure the listing states it's a sleeping loft that is not a true bedroom.

If all that is true try @Dave Foster.

We got a small drop last month but nothing worth bragging about.I was thinking of doing a refi with dropping rates but doesnt seem like thats in cards currently...Thank you The bond market happened.

I seem to remember that I didn't even have a business card until then either.You are VERY late to the game to be making these decisions. 

My wife and I use something we call the "One card" that we learned from another Memphis area investor.

Maybe it’s making the world a better place, maybe he feels responsible for all the employees who have jobs that make their dreams and hopes come true?

Whether your statements are true or false, whether we have evidence to support or deny a claim, it will never be something blasted on the internet.

If it was true, then there is a way.