Debt is like a car payment or a credit card payment that gives you not return.

I don't know your situation right now but I can tell you the steps we took to get to where we are now: (Keep in mind we have been "live in flippers" for 7 years)1) pay off all your credit cards, loans, pay off your car ect...

Here’s the best part, they charged my card again for another 12 months of service without my permission!

Credit card cash advances? 

Since you are 18 you will need to start by getting credit (if you haven't started already ) start by getting a couple of credit cards and work your credit with that for a while, of course have a steady job and save as much money as possiable so you can have a nice down payment and extra money for your first house, stay in the same line of job until you are able to get a home loan. 

I sent my wife and daughter a few years ago .. daughter lives in Vegas and wife was there.. they picked up a couple hundred business cards not sure if we got any business out of it.. but they enjoyed it. me I am too busy for this stuff ut then again our business is funding the back end of a lot of these folks A and D for turnkey   LOL

Then tell him your offer, leave him your business card, and leave.

Hard credit inquires initiated by you the volume does affect the score some but not a major driver as other metrics they weigh.If your score is really low then there is usually a lot more than extra inquiries going on.To be a successful investor there has to be a life shift on how to manage and grow money with using credit.A bad use of leverage might be taking vacations, running up credit cards for toys, buying cars, etc. that have depreciating assets and do not give off a monetary return.Conversely if you do not load up on bad debt then that helps qualify  for the good debt.

And 2. he is active in his church and can pass along our business cards.

I only have access to 40k max in cash through family, but I have excellent credit myself and credit cards.