@John Lee Look into Kinecta Credit Union who are based in Orange County and LA County.

What is everyone's favorite way to keep track of receipts for taxes/expenses?!

Within 12 months, I improved my credit score, got approved for a VA loan, and bought my first duplex!

You need to contact a real estate attorney who performs litigation and not just a contract and "book" Attorney.They will have private investigators who will track down and investigate the property management and interview the tenants.You may have a bit more problems than you know about,yet.This won't be cheap but you have got to protect your property and investments from fraud and abuse.

If you need a 65 to 70 LTV that will also hurt your pockets. 5+ units in the bay It's is NOT for the timid or people with modest incomes unless you have access to a LOT of cheap credit. 

Also, which route is best to take to start out in real estate investing if I have $70,000 of my own money and credit score is 705.

So I have  wondered if I am doing it right...For me, the con with gravels is that it tends to get tracked back inside.

One day it snowed a bit, and the snow I tracked in never melted all day.

So I am looking at alternatives for people who have money buy so so credit.

I brought in a credit partner with great credit to help get lower interest rates on loans, etc.