If the credit report is showing an error, it should be easy enough to get it removed if you have some supporting documentation.If the report is showing correct information, you might want to try a goodwill letter to the creditor.

The reason it is higher because you must use non-recourse loan in your IRA, conventional loan would not be allowed because IRS rules prohibit you personally guaranteeing the loan for the IRA. 

I’m very interested in becoming financially independent and it would be great to have a support system (beyond digital), that we could all rely on together.

@Brian Garrett I like the idea of a HELOC, but you need to know your state's rules on non-owner occupied HELOCs.

Keep in mind the 2% rule is the absolute most crude rule for evaluating properties.

HI @Alan Abdin,For many years I did IT support for Justin Dinerman of The Dinerman Group.

One of the main advantages is that they DO keep them 'in house' so play by a whole different set of rules than those that 'resell' like a traditional 30 year fixed loan. 

A lot of the companies moving here are higher income jobs which should help offset the issues.Returns on rentals are never the 1% rule.

If your NOI is $40K, then that doesn't even meet the 1% rule, it is closer to 0.08%.

I feel like I have the support of a community with a wealth of information to help with the success in my journey...