Rental will probably require a year contract, so save up and offer to pay 3-6 months in advance, which might open doors.Load up your credit cards with money before you go.

I have some questions as I just dont get some of the details and I dont want to look stupid to the bank.My situation: $50,000 /year salary (gross)$17,000 auto loan ($350/month)$50-$75 credit card minimum payment$0 rent (I live at home with my dad)$12,000 in savingsI want to buy a multi family house around $120K - $150K with an 3.5% down FHA loan.

I use deposit only ATM cards.

Just bring a note book to take notes and business cards if you got em' for networking.

The buyer or seller for that matter does not get to decide that somehow 3% of that is now theirs to use for a down payment, repairs or to buy trading cards and bubble gum with.Another point is you said "You do not need an agent to buy a primary residence".

Do not beleive a busines card title means they might know as much as you.  

First things first,get an experienced real estate agent(no first year rookies!!)

Let's get together, share our stories, swap business cards and make more deals happen for everyone. 

When it time to file contractor W-9,  do i include his credit card fee he add on to the bill in the total?

"Best Alternatives for Rent Payments"Weed/Sex/Moonshine/Stolen Car stereos/Gift cards