Dave Ramsey is geared towards people who are not very good at managing their money, and obviously, those people should absolutely avoid credit cards and whatnot.

If you have good and free credit, to complement your HML for your flip you might consider opening some credit cards that have introductory rate of 0% APR for 12 months. 

I saw about 20 realtors business cards on the kitchen table and the house was listed only for a week. 

The last one I went to they had a card with every type of investor: contractor, rentals, wholesaler, agent etc; and we had to go around and try and talk to one of each and get them to sign off on the card then they put the cards that were completely filled out in a drawing.

Hello, I am 18 years old and almost 19, The month turned 18 I got a secured credit card and next month there upgrading me to a unsecured card and Im looking to get another credit card so I build more credit, I have had the same job for a year, I have $26,000 in a brokerage, and about another $4000 in the coming months, and I grow on average 8%, when and where should I plan to be able to get a loan.

My understanding from a podcast, the reason to get in writing they're leaving is so when I go in after the 12th to prepare for next tenant, they can't raise hell saying I violated contract by entering.  

As the feds raise interest rates, this will become even more attractive. 

@Brett PalmerHave you ever thought about applying for a business credit card like Chase INK or Capital One Venture One?

We plan to buy it and live in it, the area is perfect for raising our kid and property value of that area (Bay Area) will continue to rise.

Then i analyze the same property using market value rents because i expect to add value and raise rent after my purchase .