I have 2 loan product options wondering which one is better.  

I think the reason you see it on the shows may in part be because they want to show off the finished product to viewers of the show, but also it may be market specific.

Market Value$40,000.00Payment Amount$404.21Note Rate9.500%Sold Rate9.500%Seller asking: $18,633.65 (50% of UPB)Lastly: http://www.fciexchange.com/OKLAHOMA/Conventional/N...Product ID0040910Lien Position1st Mortgage/Deed of TrustNote StatusNon PerformingNote TypeConventional# of Payments Last 12 Months10Paid To10/15/2014Loan Maturity07/15/2026Property TypeSingle Family ResOriginal Balance$51,000.00Principal Balance$44,187.50Est.

We fill that niche of need where the sellers have a property that they cant or don't want to sell at retail.I do truly consider this wholesaling as many wholesalers in other industries don't actually have a warehouse full of things either, the manufacturer does, the wholesaler facilitates the logistics of getting the product from the manufacturer to the retail store.

@Brie Schmidt  let us know if there are vendors there selling out of area product like is normal at these events or up selling for further education.. 

As long as you provide a good product to your tenants, I would continue with the rent increasesGino

I thought maybe finding some international investors would be very productive so I have been looking into it but I cannot find any info on it.

A product that doesn't exist in that neighborhood!

My question is, since the additional 30k in credit card dept is going to raise my DTI too high to qualify for a mortgage, is there any other loan product that would work for me?

However, in my understanding cap rate, income production, NOI etc isn't referenced when dealing in 4 units or less.