Business credit is largely irrelevant until you get into the true CRE and commercial lending space, and even then, the key principles are weighted heavily.

Or texas......Cool chart below, really puts things into perspective.

Here is an email I received this AM.

Hello BiggerPockets,After reading numerous books from the BiggerPockets library and spending more time on Loopnet than I would like to admit, it is time for me to put some of this knowledge into action. 

Essentially still making the Brrrr method work with this type of loan? 

Hello everyone, Ill try to keep this short, I am new to investing in real estate and looking for some insights.

.- Tech-Driven Operations – Using property management software for things like rent collection, maintenance requests, and communication has made everything smoother and saved a ton of time.- Curb Appeal & Upkeep – First impressions matter!

So this method works in this high interest rate environment. 

Sounds like you had a decent deal, and if it's your residence you surly can use it for your personal use with refi etc.

Is this your first investment purchase altogether OR your first purchase using a HELOC?