I know a guy who bought his primary residence there with a credit card!

Sometimes the termite cards are on water heater or attic/crawl space access.

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. 

General Phoenix and surrounding areas.Also out of state opportunities. 
Interested in new opportunities to learn and grow in.
Open to meeting and collaborating with others in the field.Interested in Flips, BRRR, and...

My job as an agent is not to post your house on the MLS and greet people at a open house.

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.

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?