There is also a Portland BP meet-and-greet, on October 11, in Northeast.Good luck.

Line of credits are better in my opinion since you can keep using it as you pay it off and don't need to keep re-applying (basically a credit card). 

Greetings BP,I am under contract with an owner-occupied 4-plex in which I am using a VA rehab loan. 

Greetings to Everyone,I am fairly new to Florida's Space Coast.

My son in law is named Steven Baca :)  U have to play the cards your dealt or where you choose to live and raise your family. 

Rental will probably require a year contract, so save up and offer to pay 3-6 months in advance, which might open doors.Load up your credit cards with money before you go.

I have some questions as I just dont get some of the details and I dont want to look stupid to the bank.My situation: $50,000 /year salary (gross)$17,000 auto loan ($350/month)$50-$75 credit card minimum payment$0 rent (I live at home with my dad)$12,000 in savingsI want to buy a multi family house around $120K - $150K with an 3.5% down FHA loan.

I use deposit only ATM cards.

Greetings fellow bigger pockets members and fellow real estate investors.

The buyer or seller for that matter does not get to decide that somehow 3% of that is now theirs to use for a down payment, repairs or to buy trading cards and bubble gum with.Another point is you said "You do not need an agent to buy a primary residence".