I have a lot in savings, but I was declined from Discover It Secured card.

My wife and I recently ran into an issue that resulted in us accruing $18k of credit card debt.

Also, are there other ways to build my credit besides using a credit card and paying it off?

@Marissa StallerJust leave your credit cards at home both days.

Alexandra, building an online brand is really the same as what most Realtors do when they build a physical brand (signs, cards with photos, publishing articles in the local press, events, etc).

Seller holds all the cards.

It has gotten to the point where I am sending him the properties that I am interested in and he is sending the list card and scheduling the viewings.

It was recommended that I go to Citi Cards and Discovery and apply for a $200 secured credit card, (and possibly apply for Costco after doing this).

With only $20k/year income And taking out a credit card for the down payment, it is not likely you’ll qualify. 

@Isaac Hebron if you have friends like that why do you need enemies....lolFriends are suppose to help you not rip you off.I think it’s easier to get prepared for investment rather than lose $5-15K every now and then.HELOC is a great option but you have to plan ahead and get it before you start looking for houses.Credit cards with 0% for 12-18 month with 2-4% upfrontHML charging 9-11% for 6 months plus upfront fees - the worst source of money I never used but still better than your “friends”.When you buying a cheap property ($35K) you have to plan ahead.