I'm honestly surprised, right now our only debt payment is a 857 mortgage, no car payment no student loans no credit card debt, and good credit 740's. she doesn't make just a lot (41k a year) but with the 857 mortage payment, her debt to income shouldn't be much over 25%.

I can't imagine it making sense down the line once I have say 20 properties and 20 LLC's, to have a stack of 20 credit cards that I'm juggling.

An example problem statement that I may have stated (and built the software for) in 2003, when I started investing full time: Build a tool for lead generation that collects county records from the county recorder's office (and property card data), finds the recent first mortgage defaults  from trustees websites or public filings for properties that are between 1000 and 1700 square feet, in a neighborhood of 90% like-kind properties with greater than 20 parcels, houses built after 1978, that can cash flow at current rates when fully leveraged. 

What are you going to do if their score is low because they never pay their credit cards on time however, they have never been late a day on their rent?

If not, and you are eager to invest, why not pull out enough equity on your home to put the capital up for the DP of 20% and under an LLC you can also use 0% interest cards for additional capital on renos.

I posted a lot about my experience with investing in Indy - cash flow is difficult right now and any cash flow on paper is much different on paper, especially with Class C (repair issues, crime with stolen AC units and attempted break ins with my Class C).

In 2020 the house was 75% done and I had to re appraise the house and get a new loan to pay off all my credit cards, personal loans, etc.

Purchased for 180k over 1.5 years agoReno 280,000kARV 520KExperience through the roofFICO 700+The trick here is the prop card/zoning - does anyone have a product for this?

We found this property through months of door knocking, post cards, anything to make connections in the neighborhood we wanted to live in.

In many cases it's the client that holds all the cards and determines whether or not a deal closes.