I am self employed and had trouble showing proper income which I fixed that I had to pay down on some Credit Cards which I did and had raise my Credit Score which I did too.

Quote from @Gregg Fratto: I have an 2 family investment property that I owe $118k @ 5% 1 side is vacant in need of rehabilitation about $30k tops and I'm looking for funding....I don't want to do a cash out refi because the rate would be 7%-8% at $150k plus closing costs....is there any lenders that provide 2nd mortgage or rehab loans...or am I missing something....0% APR credit card for 12-16 months.

There is probably a lot more risk on CA prices than there is in the Midwest, however a 20% decline in home values would be a crash of epic proportions, only seen once in modern history.I don't think that's in the cards and here is why:No homeowner will discount their home by 20% (for many basically wipe out their life savings) if they are not forced to; they would rather not sell and just stay there and wait for better times.

Just like a report card, multifamily assets get a letter grade, ranging from an A to a D.Class A Multifamily Assets 💵Let’s start at the top, with Class A.

I'm local now, but started OOS, walked a lot of properties using Google street view, Zillow/RedFin/Realtor.com, and used the Marion county property cards to see what the city/county thinks of properties.  

My number one best all time creative financing of a property that I ever did was for a purchase of a empty lot two blocks from the ocean in Long Branch, I was reading the local auction list in my city when I noticed a property that at auction two weeks before that opened at a starting bid of $25,000 did not receive one bid, I went to the auction thinking I was going to pick it up for $10,000, I get to the auction at City hall and when the bidding started for this particular property I waited to see who was bidding, a man started it and I waited until nobody bid to start my bidding, well this man really wanted this property and so did I, when we were at $50,000 I started to try and knock him out by bidding in $1,000 increments instead of $100 increments, every time I bid he bid a $100.00 more, this went on until my winning bid of $66,700 and it was now mine, now if you don't know much about city auctions you do not walk around with that kind of money, a 10% deposit is what this auction required and they give (I forget the exact amount of time maybe 30 to 45 days to pay in full) now comes the creative financing part, I take my high credit card limit at the time of $72,000 (I saved all the 0 % introductory rate checks if paid to another credit card balance transfer and pay off another credit card that had a small balance of $1,000 and overpay the bill by $68,000, the overpaid credit card company sends me a over-payment refund check for $68,000 (that is 0% for six months being that it was a balance transfer offer of 0% for six months) I pay in full for the property within the time allowed by the city, (this was in 2003) I refinance another property that I increased it's value with the creative equity work I put in and got a favorable appraisal that allowed me to park the debt into a 30 year mortgage, the empty lot sold in June of 2006 for asking price of $229,000 with a profit of almost $150,000 after commissions, property taxes and maintenance/lawn cutting.

As they say in poker, if you're at a card table and you can't tell who the sucker is within the first 30 minutes, you're the sucker.

He said he accepts Cash and Venmo only(no credit cards). 

I have listened to bigger pockets and Brandon at one time gave gift cards.

Was an active investor in bank card, payday loans etc.