@Champ Leong, beyond the ability to actually access that $20k, and qualifying for loans given the source of the down payment, you will also likely hurt your credit score by pulling so much on the credit cards, your DTI ratio could get pushed out of whack thereby not allowing you to qualify for a mortgage.Lastly, your payments for that advance will likely be very high.  

There are actually several in the area, Luxottica, Essilor and Vision Source are all in Groveport!

Also in speaking with my mortgage company they indicated to me that if I have a lease of 12 months or more I can use that to show additional source of income /rental income when applying for new loans.In reference to the leases, it varies by different states and cities.

Should we consider pay stubs as source of truth?

It could be groundwater but just worried since I can't visually determine the source of the water nor where it's flowing into...

Listen to a ton of podcasts, but source them for episodes with younger or newer investors so you are getting the information you need now, not in five years.

I am wondering if anyone has any reliable skip tracing sources that they use/recommend. 

I only started picking up performing notes in 2021 after 1 of my NPNs went reperforming and another note I originated in Wisconsin... they're some of my favorite deals I have.)

Maybe sell off one or two of your least favorite properties and buy something better, or the ones with the most equity and leverage that equity more effectively.

I've never heard the 4 year idea that some people mention, but could be...best would be to check with your favorite title company and get their blessing.There might be some buyer out there who doesn't care about redemption period, but if previous owner redeems, they only would get your deed price, plus penalty, and not any premium they paid you.