I payed off all my credit card debt and my score almost immediately rose by 40 points.

For purchasing, I prefer to look at homes needing TLC from the MLS and see no problem paying retail because the appreciation always makes sense after 1 year if I can get a property with rent at a level where the debt service coverage ratio is 1.45 or above.

However, you can’t garnish/intercept tax returns unless you’re a government agency or it’s a government debt. 

Are you suggesting that by owning more properties with leverage (vs owning less with no leverage) that I have greater value because those homes will appreciate over time and I'll pay down the debt over time?

you can still qualify for agency debt but otherwise start making calls to lenders that offer special financing or go back to seller .. there is always a way

A combination of bad weather and misinformation from a contractor killed the budget.

Example income property ROI calculation: 7% cashflow + 3% market appreciation + 5% tax savings & benefits + 4% loan paydown by tenant + 3% inflation-profiting / debt erosion = 22% ROICompare this to a mutual fund ROI with dividend in a taxable account: 7% capital gains + 2% dividend - 1% expense ratio - 1% - 1% cash drag = 6% ROIIt still makes more sense to invest in positive cash flowing real estate, especially with bonus depreciation in the tax code for the next few years.

But in general it is best to find a way to separate debt from equity financing.

look its business, get your plan together, show credibility and start contacting more banks or lenders and find the debt service thats right for you

Death, divorce, and debt."