should I pay off a car note to build credit or use secured loans to build credit quickly?

Financial loss would still be zero but you'd look like a used car salesman who runs a chop shop.

Martin I already plan to check out your meetup :) I found Johnson H's on meetup.com, and unfortunately I can't make it to San Jose (no car at the moment, and even if I did have one/took the train, I'm at work until 7:00ish on tuesday)Again, sweat equity is fine, but personal where it only makes sense if I'm the one doing the labor is not.

No car debt, no consumer loan debt, no college debt.  

Small amount of paperwork and minimal fees for formation.Limited protection where owners stand to lose only the money that they've invested in the LLC personally.Creditors cannot legally come after an LLC member's house, car, or other personal possessions.Higher level of privacy.Disadvantages of LLC:Protections not offered if you personally guarantee a bank loan or a business debt on which the LLC defaults.Does not protect against intentional torts.

It's a 3 bedroom, 1 bath property with a 2.5 car garage and partially fenced in yard located just 7 houses down from a rental I already own, so I know the neighborhood.Purchase price = $27,900Will rent for $850-875 per month.

Again that's just my opinion, but consider this...How would you feel if you rented a car, and then were told that you needed to have someone look at the car you rented, because these people are the prospective next renters?

A tenant's unit was searched today (10 COP CARS WERE ON PROPERTY).  

Some kids threw some eggs at some cars in my neighborhood and I put that up.  

We have a car and a fulltime job, which makes it possible to invest across a larger radius around NYC.