Again I’m moving slow trying not to get in a mess early in the game.I've owned both since August 2016I have ok credit nothing to write home about, 650/680About 5k liquid.ThanksStewart

I'll have $25k cash and the same in credit cards available and was looking at Trenton, NJ.  

You could get an FHA loan of 3.5% down (you can put that on a credit card or line or credit).You could do a joint venture with someone who has money.

However I think you have a great opportunity for planning. 6 months will allow you to be much more strategic, and prepared once you do buy. 

Because I owned the duplex for less than 6 months, the credit union I went to originally would not give me a loan (they only offered me an expensive line of credit).

I have a property I'll have title to and close this month what are the guidelines for getting a line of credit on the property?

I've called through at least a dozen banks and credit unions - and so far PenFed is the only place I've found, but their rates for non-owner-occupied are significantly higher.

This product is suitable if it exists in your state; however, you have to have 720 credit score well at least here in the states of MD.

Well, the only good news I can bring to this thread is that real estate probably has the lowest barrier to entry of any form of investing that'll get you "1%er" like tax breaks. 1031 exchanges.Capital gains exclusion on selling a primary residence that has appreciated in value.Mortgage credit certificates.

As long as you have good credit and your income can support it (DTI) go to a local bank for financing.