This is my current debt, assets, credit and income info: Credit Score: If I pay off most of my revolving debt I should be able to get my credit score to 720-740 pretty easily.

Great info!

Shafritz & Dean, LLC, Attorneys at LawO’Kelley & Sorohan, Attorneys at Law, LLCPerrie & Associates, LLCMerino & AssociatesIf you want to shoot me a PM I'd be happy to share contact info with you or make an intro.Good luck!

@Will Gaston is a wealth of information and very prudent/knowledgeable investor, he was just helping me with some lending info yesterday.Don't be a stranger, feel free to reach out. 

Feel free to send me a DM for more info

Looking at it as depositing into a long term savings account.

But you can say I'm trying to balance the YouTube info/advice from these real estate gurus with Dave Ramsey's advice.

Even if you have money for the 20% down, it's not wise to spend your last dime making that down payment and leaving yourself vulnerable to losses from a bad tenant or maintenance costs.If you want to be a successful investor, increase your earnings, reduce your expenses, save up, and buy wisely. 

There are a couple meetups in the area (we host one of them) if you want to DM me for more info or any questions you have

But good cleaners save the day many times over and I'd resist sending any message to my cleaner that they are less than a valued member of the team.