NO CREDIT CARDS EITHER.

Purchase Price: $369,000Rehab costs to date (Cash/0% Credit card): $22,000Additional cosmetic rehabs: $6-8kAs-Is Appraisal: $420,000 (April 2021)Current Rental Income (friend living with me): $800Mortgage: $2000Comps in the area: $490-560K but average sqft price $264 with prop size of 2450 sqft, so could be more.Rentals in the area: $2.5-2.9K a month, not including additional living space.My financing/current capital methods:Personal Income: $129,000 a year.Rental Income from above: $800Student loans: $340 a month.No other debts other than CC payments for rehab and personal debts: $12,000.Savings (does not include investment accounts, 401k or IRA): $12,000Cumulative CC Limits: over $50k.My questions include:What are my best options to get this thing to cash flow while adding as much value as possible for a refinance (pay off CC and have cash for another off market property I have in the wings).

Purchase Price: $369,000Rehab costs to date (Cash/0% Credit card): $22,000Additional cosmetic rehabs: $6-8kAs-Is Appraisal: $420,000 (April 2021)Current Rental Income (friend living with me): $800Mortgage: $2000Comps in the area: $490-560K but average sqft price $264 with prop size of 2450 sqft, so could be more.Rentals in the area: $2.5-2.9K a month, not including additional living space.My financing/current capital methods:Personal Income: $129,000 a year.Rental Income from above: $800Student loans: $340 a month.No other debts other than CC payments for rehab and personal debts: $12,000.Savings (does not include investment accounts, 401k or IRA): $12,000Cumulative CC Limits: over $50k.My questions include:What are my best options to get this thing to cash flow while adding as much value as possible for a refinance (pay off CC and have cash for another off market property I have in the wings).

Learn, connect, and then see how you can use your expertise to be a win-win for investors.

The bidder willing to take the lowest interest "wins" the lien.

@Lena BransomPersonally, having a property in a separate LLC is overkill.Imagine you getting to 20 properties and then having 20 different account numbers, 20 different debit cards, 20 different checkbooks, etc. 

.- Personal Credit Card (11% APR and get airline miles with use, current zero balance and max is close to estimate of funds needed for project)- Conventional Rehab Loan - Lender I've used in the past has current 144-mo @5.74 which is also the lowest payment option-Hard Money - Higher rate and upfront cost, but might be good to start making those connections and building relationshipsAnything else I should consider?

Its very easy to use and saves your records in the cloud, but backup to a memory card. 

Win-win.All I'm saying is be smart about it :) 

Any advice on how to win the appeal of the low appraisal?