A private money or pure asset based hard money lender may be a better option since they aren't bound by the same regulatory environment as a bank.

I am a Software Engineer and have been working since i graduated college at 22. i save all of my money and only have 1 debt for a car loan.

@Emerald Sie-Duke Here's my pitch on software, apps, and other tools.

The classic FICO credit score is produced from software developed by Fair Isaac Corporation and is available from the three major credit repositories.

Keep performing asset and buy more.I agree with both opinions.

I haven't explored setting up a TX trust, is this a requirement and is my CA trust not able to hold the TX assets?

Your age is your greatest asset.

Best bet: connect with local investors/lenders/brokers to narrow your focus (what type of asset, what sub-market of the metroplex).

In general, every "repair" expenditure needs to be capitalized (treated as an asset rather than an expense) and depreciated- expensed- over a number of years; how long depends on the life of the asset). 

But I feel that with real estate you at least have a tangible asset.