Great topic guys.My opinion is that it depends on the source of your cashflow, if you're running a wholesaling operation then you need constant cash flow to operate.

*To be even more specific, I am a beginner investor looking for a duplex in the ATL area to house hackI am very curious about what sources investors look at to find deals that work for them?

@Champ Leong, beyond the ability to actually access that $20k, and qualifying for loans given the source of the down payment, you will also likely hurt your credit score by pulling so much on the credit cards, your DTI ratio could get pushed out of whack thereby not allowing you to qualify for a mortgage.Lastly, your payments for that advance will likely be very high.  

There are actually several in the area, Luxottica, Essilor and Vision Source are all in Groveport!

Also in speaking with my mortgage company they indicated to me that if I have a lease of 12 months or more I can use that to show additional source of income /rental income when applying for new loans.In reference to the leases, it varies by different states and cities.

Should we consider pay stubs as source of truth?

It could be groundwater but just worried since I can't visually determine the source of the water nor where it's flowing into...

Listen to a ton of podcasts, but source them for episodes with younger or newer investors so you are getting the information you need now, not in five years.

I am wondering if anyone has any reliable skip tracing sources that they use/recommend. 

I will email you information from FBC Mortgage which is our backup Mortgage Company.I replied to the seller: I am currently applying to the second source of the lender that allows me to bid one lender against another to get a better rate or deal.