Most investors talk a lot when they don't have any or just a few deals under their belt, but once the income starts rolling in, the cards are held much closer to the chest.

My local lender passed his card to me.

No car payment, no credit cards.

@Dev Horn - post cards i assume??

Hello RobertYou will learn a Hell of alot here on Bigger Pockets so stick aroundFrom what I can see Duncan does not have a very good report card,,,Having said that check out the reputation of any coach or course here on BP or simply Google the guys name like this "Joe Shmow Reviews" you'll get the good ,the bad and the ugly real fastI hate to say it but I have literally spent days on Craiglist trying to find that "motivated seller" with a fixer house for sale.Sadly I havent had much success .I have even recruited and paid for VA's in the Phillipines to scrub filter.call and pre qualify these "sellers" again without much success.Its interesting as some guys like Joe McCall build the whole focus of their marketing for their Lease Option and Wholesaling courses on fishin the Craigslist ads for sellers.That may have worked 3 years ago ,,,Im not so sure about today.Why? 

I'm working on paying off the credit cards first since they have a higher APR compared to the two car loans.To summarize everything, I just wanted to thank everybody for helping me come to a decision.

I have a 580 FICO and was considering a secured credit card to start establishing some credit but I dont know if it will reflect within my time frame.

I don't recommend you go buy that stuff on credit cards, but if you're doing deals its not a crazy waste of money IMO.  

Give them your business card and ask them to contact you if any problems arise, any time day or night.

This is how I bought my first rental.Also, when you get those credit card offers to give you a zero percent balance transfer, you can simply write yourself [or LLC] a check for the full amount of the line available on the card and use that money for free during the promotion period [usually 12-24 months].