What happens to consumers buying habbit's for properties as rates go up or down, is that the buyer moves up or down in price point, but so do largely the buyers who can afford less or more than a specific buyer.

We then takeover after closing to do the make-ready (if needed) and get the property leased to a quality tenant. 

There's basically a strategy we use sometimes to shove all the consumer debt into the name of the spouse with a day-job, which frees up the investor spouse's DTI for debt covered by cashflow.

Are you looking for a house ready to go or a fixer ? 

Utilization, credit mix, age of file, etc. all figure into the scenario.Utilization becomes an issue when it reaches 40% or so of the total or on any individual revolving account.I have a whole PowerPoint I use to explain credit basics to rooms of consumers.

But that being said, then it will kick start your savings rate to be ready for the next one quicker.

I think I was reading in "The Millionaire Real Estate Agent" by Gary Keller about mind share and how consumers only have "enough" memory to think of just two or three agents at any given time.

It's costly and time consuming, but may be your only practical option to sell the property depending on the situation.

., I’m now in my early forties and find myself now with money saved and ready to methodically venture into this.

In my niche, I buy them up all day long, HOWEVER, as mentioned above, your going commercial lending, and you better be ready for a hard punch to the gut, because it's coming.