It's one of the biggest leads towards financial freedom. 

Here in Northern New Jersey, single family inventory is down over 25% from last year and there wasn't exactly a plethora of homes on the market then. This is also happening nationally (http://www.cnbc.com/2017/01/24/w...

Bring it below 3% utilization (you will see the biggest score jump), you can ask for a credit increase.

I have a 8 month old son who is my biggest motivation for wanting to invest. 

BP,This is an open question to all realtors, REIs, wholesalers, rehabbers, and every other entrepreneur that is somewhat involved in RE.I wanted to put this in off-topic because I want this to be an open discussion on listing some of the biggest problems we face throughout our day to day.The reason I ask is because myself and two partners are just finishing up with a proof of concept directed at realtors and after meeting with a few really got us thinking about some of the other issues we could possibly address.

In SA we find most SFR bring an average of 20%+ CCR (cash on cash return) so figure out what return you're targeting.The biggest thing you can do is attending local REIAs and see what other people are doing.

I'm only child very small family so this is like the biggest life project to date.

@Thomas Fawole- Another challenge you will have too (probably your biggest one) is getting investors to partner-up with you and buy something that is perceived to be in a war zone.  

I am still very new to all of this, but the funding right now would be the biggest hurdle.

There are a few reasons to do sub-tos but 2 of the biggest is that the term will be LESS than 30 years.