Plus with current interest rates, people with a high mortgage (eg 80% of the home's value) won't have much cash flow.

For loan mortgage purposes and if it ever gets sold, other people may not use that same strategy.

Any responses from California SB 9 savvy people will be greatly appreciated.  

But its seems like these products are imaginary programs that people have heard of but nobody has actually done one.

I recommend you stop partnering with so many different people.

(Ive got a group of people to bounce ideas off of, happy to discuss.

Start low if possible, offering yourself to the companies, and listen a lot of podcast from people that did this.- Partner is always better, but to put your name out there you have to do it yourself.

Do you want these people to leave or not?

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" .

It's usually not worth it to bid because the clueless people are driving the prices up.