Having someone pay down my debt, have tax incentives, and also have potential appreciation are all a great benefit of buy and hold properties.

They have no debt on the property and have said they're open to some seller carryback.

It can negatively effect the debt to income ratio for the next deal.

Without the burden of the debt payments and the value of depreciation, the numbers are obviously looking more favorable. 

The debt service it takes to buy and hold these properties is crazy.  

I have zero debt, and my credit score is 760+.

Sign up for a site like mint.com to track your expenses and eliminate unnecessary spending.

I only know that liens are generally taxes/debts that have not been paid on a property and the title is who owns the property, but I've heard titles can be more complicated than it sounds. 

How do you manage to invest in real estate when already dealing with medical school debt?

So I keep getting these debt consolidation letters in the mail and usually I just toss them not giving a second thought.