Lot of young people living at home with parents looking to get out from under parents roof. 

@Jarrod Patterson  Depends on the reason for the temporary need from a local, also you have to screen financials some of these people may not be viable candidates even if they think they are.   

For loan mortgage purposes and if it ever gets sold, other people may not use that same strategy.

People still tell me I should never touch my retirement account $ to buy RE, but I disagree.

Any responses from California SB 9 savvy people will be greatly appreciated.  

Use each property or client as an opportunity to get into more conversations and add more people to your database.

I recommend you stop partnering with so many different people.

But its seems like these products are imaginary programs that people have heard of but nobody has actually done one.

(Ive got a group of people to bounce ideas off of, happy to discuss.

There is no need to pay for gas and pay it off... it's mostly myths that people have come up with over time.If you have a zero score it's because you do not have any credit or the credit that you do have is less than 6 months old... more likely is less than 90 days old.Now, if your intent is to get approved for a mortgage and all you have is one prepaid credit card you are not putting yourself in the best position to secure a loan approval.I usually recommend 5 Tradlines or 5 separate accounts reporting to your credit.The best place to start, even before starting to get credit cards, is by going on the app store on your phone and searching "Build Credit" .