They pay a fee if they pay with a credit card.  

Medical debt has less weight than credit card debt or utility debt for example.

No joke,  If you show that you have a steady job for at least 2 years you can apply for a loan from a bank. 2) Pay your current and future bills on time, don't be late with payments.3) Keep your credit score above 700  4) Apply for a credit card if you don't have one and use it.. this shows you can handle the responsibility of paying back money and helps your credit score.5) Don't borrow money from family or friends..

In my market the average home price is under 250k, but I get my clients a gift card and then a nice christmas ornament on year 1, and have a follow up system in place for years 2-10. 

I feel like when I network, there are always a bunch of people there who put on this big fake smile with their business card out stretched who “yes” you to death and agree with every word that comes out of your mouth because they want you to like them.  

I've also accumulated a lot of credit card debt with renovations, lawyers, and a tenant from hell.

After I formed an LLC, I began receiving credit card applications for the LLC.  

So if there is ever a major global crisis and rates are already super low or negative when the economy was decent then governments have already played their cards in the good times.

For now, I just going to play my cards as best as possible.

All in One Heloc from Ridge LendingTrustcoUS BankTD BankPenFed credit unionUnion Bank, specializes in noo HELOCArvest BankUnion Bank, Washington StateEast West Bank offers HELOC on non-owner occupied investment properties up to 60% LTV with "no docs".Utah: Americafirst 80% LTV on noo 65% LTV 15 year 5.74%First Florida Credit Union (Jacksonville area)1.99% for 12 months, 5.25% variable 80% CLTV 20 yr w 10 yr drawHurst Lending and Insurance Investment property HELOC in TexasTower FCU, all states except TX, max 45 DTI, green card ok.