After getting ghosted by the contractor that we had lined up before closing and having items stolen from the property by the backup GC, I have called every other GC in town to get a price/time estimate and none of them would be able to start work on my project for at least 3 months because demand for their work is so high.

In my market the average home price is under 250k, but I get my clients a gift card and then a nice christmas ornament on year 1, and have a follow up system in place for years 2-10. 

I feel like when I network, there are always a bunch of people there who put on this big fake smile with their business card out stretched who “yes” you to death and agree with every word that comes out of your mouth because they want you to like them.  

I've also accumulated a lot of credit card debt with renovations, lawyers, and a tenant from hell.

After I formed an LLC, I began receiving credit card applications for the LLC.  

So if there is ever a major global crisis and rates are already super low or negative when the economy was decent then governments have already played their cards in the good times.

For now, I just going to play my cards as best as possible.

All in One Heloc from Ridge LendingTrustcoUS BankTD BankPenFed credit unionUnion Bank, specializes in noo HELOCArvest BankUnion Bank, Washington StateEast West Bank offers HELOC on non-owner occupied investment properties up to 60% LTV with "no docs".Utah: Americafirst 80% LTV on noo 65% LTV 15 year 5.74%First Florida Credit Union (Jacksonville area)1.99% for 12 months, 5.25% variable 80% CLTV 20 yr w 10 yr drawHurst Lending and Insurance Investment property HELOC in TexasTower FCU, all states except TX, max 45 DTI, green card ok.

Often you can get everything pre-approved prior to purchase and the only wild card becomes the conventional appraisal.

Credit card debt for frivolous purchases is NOT the same as mortgages on cash flowing real estate.