We had to come up with the $90,000 down payment.Had $30,000 in SavingsHELOC $27,000Student Loans (im in school on GI bill ) $20,000Chase Credit card cash advance (0% interest for 1 year) $15,000:) NAPA uses Bank of America, NAPA is the one who approves you and BOA just handles the $$How did you add value to the deal?

@Jace Holti really want to stay in the married housing side. thay tend to stay longer and are better renters. but dealing with people renting on student loans seems like a house of cards when it comes to stability.

I also have a 14 month zero interest Credit card to buy most of the supplies/appliances with 2% cash back.

My wife and I bought a house in 2017, bought 2 newer cars (2014 & 2016), total debt with student loans and credit cards is around $315,000.

I also don't do that long form where you ask for every bank account, credit card account, and previous landlord they have had since 1981.

Yep, we built our house of card up another level. 

Since then I’ve bought one duplex, I bought my own house and also applied for multiple credit cards (which were accepted) and a line of credit with my bank.

Another side note about finding roofers I didnt see in this post is go to your local lumber yard and theres a good chance they have a bulletin board with tons of small companies business cards that need work or just ask the people who work there.

Credit card How did you add value to the deal?

They could come in the form of business lines of credit, credit card stacking, short term & receivables based financing.