good morning BP hey im a newbie in REI, and to be honest my. credit isnt good and my i owe more than i make, is there still a possible way for someone in my position to actually start to invest?

My friends were amused when I wondered how I would deal with the loss of my Internet connection (which could be serious when doing online investing).

Great points made all around, but one of the primary factors to house hacking is to get "primary residence" rates on a house that eventually becomes an investment property after you occupy it.In order to make an informed decision for your scenario, ask your lender to run the actual numbers... taking into account your credit, down payment, property type, primary vs. investment property, etc.

Keep in mind he copy and pasted something from the internet that he indicated his lawyer sent him.

we did all the heavy lifting no work at all for the investor.. and the returns were very consistent.. and if there was a problem us as the broker jumped in and fixed it for our client.. you can find people like this in your market NO doubt..so my point is why would you risk partner with someone on the internet to buy a note and give them half of your returns.. that I simply don't get.. as an alternative you can go with some funds that are out there  PPR  Mike Hartzog  Ed Malaki they all have funds. that you can join in ready for prime time companies.. 

From fully automated Kiosks (an ATM looking thing that rents the unit, sets up auto billing on tenants bank or credit card, dispenses a lock if the new tenant wants to buy one etc), to smart phone Apps that do the same thing (except vend a lock) to 24 hour USA based call centers that will manage the business and rent the units for those customers who want a human to talk to (and the Kiosk software, smarphone App software, and call center sofware can all be seemlessly integrated within your business management software.

I checked with both my normal business and personal credit unions and they could not come close to that. 

In AZ we don't have to give them anything but we do chose to give them a pro-rated rent credit if they decide to go elsewhere.

You’re right, I will just ask the selling agent to show me where it’s stated in the AOS.For the leases, I didn’t really like the thought of inheriting tenants because I didn’t get to do a credit/background check or check their application.

Many vendors I have called quote less and they take credit cards directly from the owner but to use the credit card through RPM preferred you would have to pay a hefty fee.