Blue collar area.I hope that helps.

you could but most banks and credit unions who will let you cash out your car with a title loan against your pink slip/car title will usually require you to meet 45% Debt to income so if you're maxed out as you say it might be difficult but not impossible.Penfed.org allows use of retail value on NADA (higher than kelly blue book usually) and lends up to 100% of this value.

And this was on blue collar salaries, factory work. 

The best cash flow in San Diego is achieved in the more blue collar areas but stay away from problem areas. 

@Zana Blue- looks legit to me.

@Ben Gammon, 1-4 units is still considered residential.If you have been trying to bid on HUD properties with the buyer being the LLC, during owner occupied period, you will most likely be disqualified.There are many threads on BP which give tips on bidding on HUD.Also, make sure you have an agent who has successfully helped others purchase HUD properties.The real "journey" with HUD begins once you are the winning bidder - then the signing of contracts in BLUE ink, 24-48hr turnaround for escrow, closing challenges, etc, etc.

Tell them you are blue skying the possibility prior to acquiring the property. 

Especially, if you are in solid blue collar hard working c class neighborhoods.Swanny

Finally!! After years of reading books, articles, forums, listening to podcasts, youtube, attending seminars and webinars, I've made myself (credit score) attractive to lenders and have been approved for a first time ...

Adhering to budgets which go my portfolio when building high end properties is difficult because material prices vary when trying to find something like blue granite (which I am presently importing from Brazil) or a large quantity of copper.