Im trying to work hard to get the credit the best i can like leasing a car and use a credit card.

Get his/her business card and start emailing?

Then a few months later, the bank issued us a $20K credit card out of nowhere.

The further away from campus you begin to see more promos to attract tenants (free tv, $100 visa card, etc) because there is a lack of demand.

That is a fancy way of saying that a group with a lot of power got together and forced an unfair deal on someone because they held all the cards. 

Instead of playing the “victim” card, why not look into hard money lenders or other loan sources?

This type of funding comes in the form of credit cards which must be converted into cash after funds are received.

A similar topic came up in a recent thread.The consensus seems to be that registering rents (with the city) is only required for buildings with more than 4 units, and registering with the state (NJ DCA "green card") is required for 3-unit buildings and larger. 

Do you have equity in your home to do a cash out refi and pay off the credit card debt?

Get business cards printed with your logo and contact information.