Hi Erwin, do you have a mortgage broker you can recommend?

Does anyone have experience in this market and can recommend good local managers?

BiggerPockets also has a calculator you can use to analyze deals and I highly recommend you start this as soon as possible, even if you are not ready to buy.

Are there any neighborhoods which folks would recommend for a passive, newbie, out-of-state investor, to invest in ? 

Great question I would recommend using zillow.com" rent zestimate" and also trulia.com.

Hello, we are a property management company and looking to grow our business we are having a hard time finding more leads. we tried cold calling but it didn't work out well do anyone has any recommendations of a platform where we can buy warm leads?

Or would you recommend an out of state investment for now as my first rental? 

It is a legal question, so I recommend finding a Landord attorney in your state to form a relationship with for such questions.

There is no need to pay for gas and pay it off... it's mostly myths that people have come up with over time.If you have a zero score it's because you do not have any credit or the credit that you do have is less than 6 months old... more likely is less than 90 days old.Now, if your intent is to get approved for a mortgage and all you have is one prepaid credit card you are not putting yourself in the best position to secure a loan approval.I usually recommend 5 Tradlines or 5 separate accounts reporting to your credit.The best place to start, even before starting to get credit cards, is by going on the app store on your phone and searching "Build Credit" .

Recommend you go with two types of approaches.