It has gotten to the point where I am sending him the properties that I am interested in and he is sending the list card and scheduling the viewings.

It was recommended that I go to Citi Cards and Discovery and apply for a $200 secured credit card, (and possibly apply for Costco after doing this).

With only $20k/year income And taking out a credit card for the down payment, it is not likely you’ll qualify. 

@Isaac Hebron if you have friends like that why do you need enemies....lolFriends are suppose to help you not rip you off.I think it’s easier to get prepared for investment rather than lose $5-15K every now and then.HELOC is a great option but you have to plan ahead and get it before you start looking for houses.Credit cards with 0% for 12-18 month with 2-4% upfrontHML charging 9-11% for 6 months plus upfront fees - the worst source of money I never used but still better than your “friends”.When you buying a cheap property ($35K) you have to plan ahead.

Introduce yourself, give them a card and let them know you are managing the property and want to make sure the tenants behave as good neighbors should. 

The current web/app based services are all handling credit card transactions primarily.

or send letters and post cards ?

Funding sources I have used are , Credit Cards,Lines of credit on my home,borrowed from hard money (Family).Income tax refunds.

@Ryan HanrahanA private money lender will not get you money for a down payment , but you do have the option of using vehicles like Perosnal loans , credit cards ,and lines of credit which would essentially allow you to buy the property with none of your own money.

It's an industry where you can reap good benefits, if you play your cards right.