You can think of a credit as a discount on your taxes.

Of course, withprivate lenders, you will need to give up equity or a return on the debt.As @Dan M. mentioned, credit cards with 0% APR are great but be responsible with this.

Would prefer to also have ability to report to credit agencies through it.  

Nathan,Of course it does!....

So i finished the course for becoming a licensed MLO, but now it’s time to sit for the final exam.

Mid 700's credit, no cc debt, 1 car payment. 

We’re also seeing banks tighten credit requirements which is knocking out some buyers as well.

Baby boomers and millennials, each at distinct life stages, are converging on the market with different needs and financial strategies, shaping the housing landscape with their preferences and purchasing power.Baby Boomers: In Search of Sun, Savings, and SerenityBaby boomers are charting a course toward warmer climates and tax-friendly havens as they approach retirement.

Your income is adequate for this price range, but remember that mortgage approval also depends on your credit score, debt-to-income ratio, and other financial commitments.With a $20,000 down payment, you'll be putting down less than 5% of the home's value, which may require you to pay for private mortgage insurance (PMI) until you've reached 20% equity.

I'm looking to position myself to have maximum purchase power in the future -  In essence, I'd like to be able to have lines of credit to be a little real estate fix/flip fix/hold type of person/company.I have great credit, good income, good numbers on bank-statements and have multiple properties paid off and available for collateral.