Short term my credit score did take a hit, but once the promotional transfers were paid off, my score jumped higher than it was before.These days, the "pure" zero percent transfers don't seem to be around anymore as they typically charge a 3-5% balance transfer fee as part of the promotion, but this is still better than current HELOC rates.

I'd also be happy to answer any more questions so feel free to reach out via DM.

It is very simple and cheaper to set up the LLC in NJ vs NY ($50 vs $200 when going on the state website) what is still an open question is I also need an operating agreement for the LLC once set up, wondering if that is also free as part of just getting the LLC set up on the state website or if I need to use a lawyer or a legalzoom type of service to do that.

Wholesaling is a great low cost way to make a lot of short-term cash, but it does not build long-term wealth.

The short version is that you want a strong and diverse job market, low unemployment rates, a growing population, low vacancy rates and new development, affordability/cost of living, real estate laws and court system, good schools, and low crime.Check out the videos from Dave Meyers with BiggerPockets.

Also, consider a portfolio loan to consolidate and free up capital.

@Jonathan Yake did you refi to free up your VA entitlement?

There's a free 7-day trial for you to poke around on those forums and learn more.

Be sure to check out the free tools BP provides to help analyze deals you may have and also market insights.

It's a short term lease.