The game has changed.

The ACH collection feature has been a game-changer.

Credit scores are a reflection of someone's ability to learning and understanding the rules of the game and haveing the discipline to play by them.If you already have good credit, already pay everything on time (autopay), then increaseing your limits will probably help you the most, because it gets your utilization down, ideally under 10%.Higher hanging fruits are average credit and account age (just have to wait for that I guess) and inquiries, which are sometimes unavoidable as real estate investors.  

Best of luck as you jump back into the game 

It’s a game-changer for getting into a 2-4 unit property with low or no down payment—perfect for scaling.You’re doing all the right things—learning, networking, and making moves.

Didn't the plumber know in advance that he would need to lift the washing machine?

I know the podcasts and books speak about being in a deal with zero skin in the game, but that is an outlier situation not the norm. 

Seek out those who’ve been in the game for a while.

In my opinion, TXTing takes out more from you then actually bringing in - It often feels like a constant game of cat and mouse with phone carriers.

If EVs ever start coming with bidirectional charging that will be a massive game changer in the electricity market.