He is open in his training about risks and teaching realities of real estate. he is not fluff in his comments nor critical feedback. he breaks the training down for newer investors so it makes sense and constantly is sharing what is required to help protect yourself 3) the community he has built =instant lead generation for people to work together to get deals closed!.

You're in business to make a reasonable profit without exposing yourself to liability.Ok I see your point but how many drug dealers live in your neighborhood or how many murders or people who break into other people houses and steal from them or prostitutes do you know of.

Rentals go fast in the neighborhood (many homes rent out to officers from Millington on 2-3 year tours) and the school district is being refined to build a new middle/high school not far from our home (breaking off from a much larger system).

Take breaks when needed and keep going when you’re ready.

The HOA takes care of everything outside of the studs and I save enough to just replace anything that breaks and skip the repairs. 

Get your foot in the door and aim for a break even (if it means you can get started). 

Does anyone have any good options that are safe and won't break the bank?

I wouldn't buy an investment property that I was just breaking even on.  

However, with either if there are no breaks, the line is fine.

Currently I had borrowed 12.5k to consolidate credit card debt and I can borrow up to 23k. 2) Would it be wise to roll this into my home mortgage so I can get the tax break for the interest and allow for more borrowing power from a credit union?