It looks like it was designed by someone who does graphics for Kohls girls clothes:)

Recently cleared all credit card debt so I'm thinking the payments I was making to my 3 credit cards will then go to my pension and kind of offset my payments back to my pension.

I wouldn't send gift cards.  

Please feel free to comment or offer advice.Year 1:- find an apartment to rent that's closer to work (I commute about 1 hr, 45 mins one way)- pay off debt (~$10k student loans, ~$5k car, ~$3k credit card @ 0% apr for another yr)- live frugally and save as much as I can (my goal is to save $20k)- learn as much as I can about real estate investingYear 2:- decide on a market to invest in (*)- decide on a strategy (leaning towards buy and hold, either single families or small multi-families)- start creating systems for marketing and lead generation (I think this is key for my long-term goals)- possibly start making offers (depends on financing and location)- save money from job income (goal is $40k)Years 3-5:- make deals- seek higher salary(*) NYC and its suburbs are quite expensive.

I have look up different way and one that caught my attention is business credit card to obtain property.

I don't find nearly as many real world, all cards on the table conversations like Scot's. 

., Legal paperwork, business cards, website, ect.)- Do I actually have to live in the house for the FHA loan?

By chance I was in the office of a top mover and shaker in town and saw a card taped to his desk that said "If you don't take a chance, you don't stand a chance."

IF it is done it's just one card and then that is it.

It has credit cards and bank accounts.