I have heard that networking and handing out business cards is key for a real estate investor.

What if I'm servicing $35,000 of credit card debt by paying the monthly minimum?

Greetings Cal,I have used local portfolio lenders in the past, but these types of lenders still count your personal debts against you, which can easily lead to a denial.  

However, keep your credit card in your wallet and your leave your wallet at home until you KNOW this is the direction you want to go.

Greetings.

Sometimes if they are nice on the phone to you offering a gift card to their favorite restaurant is appreciated.No legal advice given. 

If you have a mortgage lender, 6 credit cards and an auto loan inquiries within 2 weeks, it looks like you are spending money as fast (or faster) than you can make it.When was the last time you got a copy of your credit report?

Section 5-15(a) of the Act provides:  It is unlawful for any person, corporation, limited liability company, registered limited liability partnership, or partnership to act as a managing broker, real estate broker . . . or to advertise or assume to act as such broker . . . without a properly issued sponsor card or a license issued under this Act by the Department, either directly or through its authorized designee. 225 ILCS 454/5-15(a).  

I find it easier to learn by listening, taking practice exams, using flash cards, and when driving listening to CDs.

I was raised to save, to avoid credit cards like the plague, to pay down my home and be done with banks.