I was 50 years old before I stumbled on RE as a hobby. 

A thug on the streets isn't exactly sitting there thinking about his FICO score-- but he also might not need (or even know how) to apply for credit cards and might have stumbled upon a decent credit score.

This is actually one of the biggest stumbling blocks for investors who use hard money and the biggest reason they get in trouble with HM loans.

I just stumbled upon them today at a conference I attended.

I had to stumble between 3-4 agents before I landed on someone where I felt we "clicked".Then after finding my agent, I leveraged their existing network.

Good thing I stumbled across this video, I read the beginners guide, however, it didn't resonate with me as well as a simple step by step video.