@Roy LoganIt sounds like you’ve made some great moves in real estate investing—your BRRR strategy is paying off with those solid returns.At the bare minimum, you should do the following to make your bookkeeping easier:Dedicate one checking account and credit card exclusively to real estate.

What sort of debt does it have. 

I have worked in real estate debt since graduating in 2021, so I have solid (but not expert level by any means) experience with underwriting multifamily properties. 

Recently after some medical issues(I’m all good now) I’ve exhausted all my reserve funds and have 50k in high interest debt.

If they are billed separately, the charges may fall into Fair Debt Collection Practices Act laws.

#s: value: $440k each, total debt: $310k each (incl. arrears), prop taxes/mo: $500, insurance/mo: $25, common charges/mo: $380, rents/mo: $2700 & $2250Pls feel free w/ any solutions / input / ideas.TxDave

I'm about to start a team of callers on these lists, but I don't want to waste their time or my time with these dead leads.I'm thinking of charging back the expense with my credit card company because I'm pretty disappointed.Does anyone have any solutions they'd recommend for getting accurate property owner phone numbers?

They use PRICE LABS to create these score cards that test your price, data is pulled from Price Labs, well guess what you can access that right from Price Labs you do not need to pay them for that.

Your lender will have the exact details.If the current leases don't align with your timeline for moving in, another option is to explore a DSCR (Debt Service Coverage Ratio) loan or a traditional investment loan.

What is your roof goes, a heating unit.... you're credit card debt could build up quick as a result of this putting yourself in a bad situation.