If you aren't in that club yet, do a few flips and build some bank. 

The reason for this email is that we need to schedule a call with a representative about our direct deposits to our bank account, we keep having the same problem every month.

this is only a good idea if you have reason to believe that the area will be appreciating quickly, which is called speculation and akin to gambling not investing. me personally, I would rather put my money on black than bank on market appreciation. negative cash flow rentals are a time suck and money suck.

A traditional bank will not give a line of credit even if there is significant equity because it boils down to being able to pay back the money. 

The appraiser gave the house a low score so the bank said it is a risky investment for them and gave me a 70% loan.

So you better find something that cash flows or you’d be better off putting the money in a bank CD. 

My total portfolio in this area I spent approximately $350k ($150k my cash, $200k bank carry).

@Charles Kao I believe he means attorney & Title Services that are familiar with non traditional or creative Transfers or Sales of property that don't include Banks.

I know I need to get a credit card and keep my utilization ratio low, but I wouldn't know much about the process of actually receiving a conventional loan from a bank or any type of loan.

I did all my other due diligence like asking for paystubs, W2s, Tax returns, Employment verification, bank statements etc etc and did not see any red flags overall.