I mean my phone etiquette is great but on my first ever meeting with a seller she said she did not believe that I could buy her home and that I needed to give her a biz card.

Bc if the house of cards falls it's not going to be a local problem. 

You should get a loan with 640 credit score even 4 years after bk.To raise a credit score, get 2 secured credit cards, use them every months and pay in full every month, in 3 months your credit score will go up by 20 points.Or if you want to do a deal now, partner up with somebody who can get a loan.However dealing with hard money lander will be cheaper than having a partner.Also, if you know somebody who has a good credit score, ask them to add you to their credit card with $0 balance and in a couple months, the length of time that they had the card will be added to your credit score, hence raising the score by 20-50 points

I ordered some business cards and I will go to some local real estate meetings and start to network some.

The yellow card campaign works!

Sending out hand written personal letters, adds on social media, newspaper, craigslist, handing out business cards and posting signs out.

I see the mold as his trump card, how would you handle this?

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.