We use MINT.com, which is nice.According to MINT, what is largely dragging our credit score down (it's a 758) is credit utilization.That's a few credit cards here and there but predominantly our HELOC is 60% utilized and bringing up our total credit utilization up over 40%.I'm under the understanding that many people use HELOCs as a great way to pull out equity from their primary residence.I don't understand why one would be penalized from having a stronger equity position in their primary residence?

I suspect this house would be more in the $6K range for a basic unit that is large enough.So, what I did instead, was put window units in the main living room and one in each bedroom.  

If you can narrow your area of interest down to a few counties or towns and then just certain size or condition properties you might find it's not a large amount if you wanted to directly target them, be it through mailers, door knocking etc.

Now I do both more passive (syndications) and more active investments with large rehabs - flips and BRRRRs. 

My wife and I recently bought a large (3,000sf), unoccupied two family in northern Massachusetts.

Same process.. just more complex/complicated for large developments. 

So we are largely in escondido with a few others scattered about.  

I'm 22, a personal banker for a large bank.

Then I will have a side agreement with him and just use his funds to scale.

It makes me wonder what will fill these large spaces overtime.