I like cosmetic rehabs as they are easy wins and a great way to gain experience and understand designs and rehab costs. 

I currently do not have a credit card, just debit.Thank you so much for your response again!

In addition, you will better know the paperwork and strategies behind winning an offer on a property and receiving it for a better price than you would had before. 

I see this as a win win, I just need to pitch it right.The main thing I'm concerned about is objections I haven't thought of yet.

Home price: $35,000Repairs: $10,000Loan: use a credit card 0% for 12 months with 4% transaction fee.

Home price: $35,000Repairs: $10,000Loan: use a credit card 0% for 12 months with 4% transaction fee.

I know they will take $2500. off my credit card if I due happen to win the bid. 

I HATE debt but that mindset enabled me to build an extremely high score that, ironically, I now use to leverage my credit cards for real estate (this is something I do and wouldn't necessarily recommend it to anyone as you have to be extremely disciplined to do this effectively).   

Im a licensed RE agent in Fresno CA, considering to bid for a property on public auction in auction.com, hubzu.com, homesearch.com. my question is.. for example, when I place a winning bid of 100K, and the property has a total estimated debt of 300K, does that mean I have to pay 400K for the property in order to get the title? 

I've turned to using Adobe Pro to OCR, so now it's a win.