@Nicholas Diazdeleon - I'd recommend the millionaire real estate investor, ABCs of real estate investing, the book on rental properties for real estateFor business i'd say Start with Why, Building a StoryBrand, and How to win Friends and influence people and if you worry alot "how to stop worrying and start living"

So if the past couple of years shows that they have had active lines of credit: be it a car payment or credit card, etc. and they've paid on time along with no evictions or bankruptcies then I would continue to evaluate them with whatever other criteria you have.

A win-win

Reminds me of the game "Pit" or Spoons where you yell "TWO TWO TWO" and someone grabs your cards and you swap them out again.

I assume he was speaking of credit card and other consumer debt, but that wasn't specified.

So, if you play your cards right, you could live rent free for over 4 and half months in Downtown LA.

My concern is the refinance - we've been able to pay off a lot of our debt with our proceeds from wholesaling, but my credit score still shows the scars from some of those high interest credit cards, and I'm afraid I won't qualify for a refinance. 

I didn't make as much as I originally thought but it was still a win.

Beyond that, the only accounting that the property managers do is to reconcile their credit card spending.  

It's ok to make mistakes, you have to be in the game to win the game.