I am currently focusing on my credit and money management skills.

You will soon see why talking about mentors in an open forum is a bad idea.

@Tyler FergusonAt the bare minimum you should dedicate a checking account and credit card to your real estate activities.

Hopefully it'll help balance out instead of hurting the entire industry badly. 

So you would be a bad investment at this point.  

Remember alot of Americans have a large amount on credit cards and they have seen thier rates go from 8-12% to 12%-19%. 

However, they dont want to be anywhere near the loan or title because they dont want any lawsuit liability from my STR.With my income and credit score, the terms for DSCR loans or conventional investment are not good.They own their primary residence in cash and its value is around 2 million.

My goal is start an LLC in NJ, since this where we will make our first purchase and get approved for a line of credit from several banks in order to invest in a rehab.  

Once I have located such a property, I buy their property for below market, (instant equity) no bank qualifying, no credit checks, by offering to take over their loan and make their payments for them.

Buy something that will cash flow in good times and bad.