You might be able to squeeze another $50-100k just by asking for it.Remember that the people making the decision are being paid to spend other people's money.

I find the teachers at the community college spend alot of time talking about their personal stuff.

What are your thoughts on construction budget limitations?

2 rooms of carpet were totally ruined and had to be replaced, there was dirt and cobwebs in all of the bedrooms, windows had been left open and rainwater allowed to come in and stain the walls, hundreds of gouges and anchors left in the walls, oven dirty, floor and wall behind stove and refrigerator had a half inch of dust, dirt and food, etc, etc, etc.So, needless to say, I've had to spend a considerable amount of time and money getting the place back into rentable condition.

I personally feel a Real Estate License would help with meeting many other investors (socially / business contacts)I have learned a lot by studying for my real estate license me personally~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~I plan to put on my big boy underwear and schedule my exam after I’m done volunteering for Habitat of Humanity this week{ local builder week }I’m trying to determine, if it would be best to start out as REO / BPO or everyday agentMeaning - which option would I need a smaller marketing budget and be effectiveMy concern – every agent I have met in the last 8 years seem overly stress Real Estate license will help with seeing both sides of potential deals ( Wholesaler versus Agent Disclosures )

Your credit is a pretty important part of your ability to invest in real estate in the long term.Another strategy would be to spend the next year on a "Dave Ramsey" kick.

And I have to spend a lot of time figuring out what happened, because they didn't proactively notify me. 

I could spend all day telling you why my choice would have been better.

Make sure you don't spend over 30% of the value of the card so if the card is 1k don't spend over 300 on it.

You need a cheap price, enough work to do to push up the value much more than you have to spend, and then you need to get out.