I’m a licensed realtor who found great success in the low interest rate boom and feel very fortunate for the happy clients I helped buy and sell and for the amount of them.

We're now looking for another investment property...the market has shifted, interest rates are higher now, and there are many investors in our local market that have long ago snapped up the easy ones.Now, I'm continually listening to BP and other podcasts with the idea of figuring out how to create a good deal, instead of "finding" a good deal.Also, whether you're a real estate agent or an investor, remember that the market will change...the interest rates, rent rates, and who knows what else will change. 

Prices have doubled in the past 2 years, along with interest rates.  

If you want to be that involved, go find one of those hungry discount managers desperate for the work.

I have 3 properties in my personal name (to get best rates).

For reference sake, we have one mortgage at 7.5%; one at 5%; and all other financing below 4% with an overall portfolio weighted average interest rate of 3.785%I don't care too much if you have 5 properties or 500, but I'm curious if others have gone through this thought process at some point in their real estate investment journey and if so how did you make this decision?

But also, you'd get a better rate just buying your home with a home owner loan. 

Looking at multi family in mt pleasant and I’m seeing all over online crime rate is very high but agents and PM’s saying the area isn’t bad.

After 4 months they give you the opportunity to open a secured credit cardAnother is called "Kikoff": These guys will report a $500 Limit Credit Line for less than 5 bucks a month.These modern services are a great place to start, they will never report late payments, won't get you into debt and build your credit score every bit as much as credit cards.After you 3 - 5 of these open for 90 days THEN apply for credit cards, you will get much better approvals, higher limits, lower rates, more rewards etc...Mortgage lenders will also be looking at how long those accounts have been open.

I can't make the numbers work with these rates and high prices.