You seem well on the way to a successful brokerage career and still living at home with low or no bills is the way to start that scaleable but commission only life. 

I pay off my credit cards, and save like crazy for the next down payments.  

HI Hernan,You can always start off by house hacking meaning you live in one UNIT or ROOM and renting out the other vacant units/rooms to offset your monthly mortgage payment.There are several ways to run and make sure you are maximizing your rental income while keeping your living expense as low as possible.

If you’re interested, I can set you up with full access and some free credits to explore the platform.

Like a credit card you only pay interest on the money you withdraw to use.

Do you think this could be corrected with how many 4plexes are probably financed with ultra low 30yr mortgages?

Maybe the loan shows up on your credit report and tilts your debt utilization to a point that makes the lender feel uncomfortable.Can you share some details about the deal?

It looks like there are about 1,200 listings in the "Village of Four Seasons" section near the Bagnell Dam.The entire area rates really low for seasonality, so you may consider how much a week in the summer will actually cost you if that's your "break-even" time.Happy to give you more data if you're eyeing a specific property or ZIP code.

I don't have any risk tolerance anymore.I will put it on the market once the tenant moves out in July.Wa trying to offer him some cash for early move out but he has bad credit history and doesn't want to move out.Thanks for advice, now I see what  I am doing wrong. 

They’ve secured low rates and rapid equity increases due to the last few years of Fed/gov intervention.