No one will invest with you or work with you if you don't have a track record as a successful real estate investor, entrepreneur or business person in the past.Then, you need to get educated on the apartment syndication terminology and process so that you can communicate effectively with team member and investors and understand how to find, evaluate, submit offers on, conduct due diligence on, and asset manage apartment deals.

This is much more effective in the long run as opposed to scrolling through social media and watching television.Manage your time well: Time management is essential to success.

@Brent SmithWelcome to BP, and congratulations on making the decision to invest in your future via real estate.I have written a few blog posts that may help you get started here on BP, and with your investing.

@Matthew John not sure why my post becomes a big blog of text when I submit it.

As long as my cash flow from my house isnt effected by it then I'm good.

-how will my DTI and credit score effect the refinance?

@Ozzy Sirimsi  @Tim Youse @Joseph Abad Appreciate the tip about # of tenants in Towson, looking at the zoning laws : "After the effective date of Bill No. 124-93, a new boarding- or rooming house is not permitted next to an existing boarding- or rooming house unless permitted after a public hearing pursuant to Section 408.B."

Tenants always have the capacity to impress us with a good deed or good maintenance or maybe just not being complainers- You thank them by renewing their lease, not giving them a rent reduction.As the CPI demonstrates- every year that we do not increase our rents we are effectively giving our tenants a rent reduction, to the point that your unit is operating at a loss.

My issue is I have made the mistake of financing everything out of pocket in the form of savings and two separate personal loans that have had the detrimental effect of both raising my dti and lowering my credit score by approximately 30+ points (was 700+).

I am wondering if I should continue doing this method or should I try something that is more effective?