However, they are a little more flexible.  

That might indicate that you are flexible on rent.

. $1,000 - $1,500 in closing costs plus $250-$375 annually)I love the flexibility of the LOC and not having to pay interest until I use it.

Sherman Bridge, thumbs up for being flexible!!

I was just being flexible to make it easier for the tenant to find a new place to leave, since it is really hard to find rentals and movers during the holidays. 

Some smaller credit unions can be more flexible

They have more flexibility and look beyond your credit score if the issues are minor.

They are generally flexible though and will let you cross collateralize your other assets if you dont have the cash but theres pros and cons with that as well.

My quick start guide if I could give advice to myself at your age.1) Get a job that either A) offers you great pay so you can qualify for the loans to invest in real estate or B) Allows you the flexibility to do all the legwork you'll need to do to invest in real estate or C) Contributes something to your investing skills.That said, I would think someone without a college degree is probably best served with going after B or C.

He said that this was unprecedented and that the experts couldn't agree to what it means.No matter what the economy or the trends are doing, there are always ways of making money in real estate, you just have to study the market and be aware of what is happening and be knowledgeable and flexible enough to go with it.