Now decuct any payments that would appear on your credit (car payment, student loan, credit card min payment).

You can even make some contacts with the people that leave their business cards up.

We moved her in last Thanksgiving time and she is the ONLY tenant that has ever sent me a Christmas card.

Business cards, post cards, door hangers, and even a website.  

You can still get a "business credit card" but it will report to your personal credit and not build a credit report of its own.

My name is Luke, I have always been interested in investment but have spent the last 7 years scraping by on a single wage while raising a family.

Maybe some lawn signs, banners, business cards, brochure printing for your real estate business?

Their game plans are to convince the person they don't know enough, and to keep upselling to a more "intensive" training until the person is maxed out on credit cards and has exhausted savings and then move on.What is even more despicable, when they hold their mass gatherings in hotels, they berate anyone publicly who asks any question that shows a healthy skepticism as being negative with a bad attitude instead of addressing the person's concern in a professional way.

I came from no Realestate background or knowledge and am now flipping Sub2s like a deck of cards.

More than likely you're not the only person sending them a letter so what is going to make them call YOU instead of the other 98 people that sent them a letter or a post card?