I’m pretty sure you pointed the racial card at me and Said I was delusional and then questioned my experience when I said I live in Allentown which is not an urban area.

Stay simple don't go fancy, say what you have to on the card and that's it.

Finally have 30k saved and 52k in freed up credit cards if needed for my own way too high of an interest hard money lol.

Cash from HELOC on another property, then interest free promotional discover card.

Then when I was a teen with my own transportation they would pay me for labor.

If it's a year or less, I would suggest getting the credit card and racking up the points.

If you were able to save it through a wild-card exemption filing through bankruptcy you're one of the lucky ones. 

I was always taught that credit cards are “bad” so I didn’t get one until recently so I’m currently trying to build my credit score so conventional bank financing isn’t an option..

You are still going to need some money out of your own pocket or that of your partner to get it all done.My first couple of deals I charged up credit cards and cards of my sister to get the rehab done.

Best to get the dirty tenants out, but for the good ones a small Christmas present or birthday card with movie tickets goes a long way!