So we purchased for 130k with 5k seller credit, 27k rehab, and appraised for 175k.

be organized.Example:3 months goalEnroll in real estate class-network and meet at least 3 real estate related professionalsSave XXX dollars toward first purchaseWork on marketing strategy, and overall strategy (define markets, focus will be SFR, buy and hold with 150.00 cash flow etc) 6 month goal--pass real estate exam--Save xxx--Improve credit score from 675 to 745make these goals quantifiable and specific, in other words you can cross them off when you get them done.The plan won't be perfect buy it's a plan and you show you are executing on it. 

After all, it is a line of credit, not a mortgage.   

I'm sick of misleading seminars not really teaching people how to do anything but raise their credit card limits so they can charge them for more seminars.

If it raises my credit though, not sure I'd complain. 

I really appreciate any tips or wisdom you’ve got while working in the business.

Hello everyone I have a question I’m hoping you guys can help me with I plan on using HM for a Brrrr strategy after the property is fixed up and ready to be refinanced into a conventional loan what requirements do conventional banks require you have to refinance I understand I do need good credit which I have but do they look at Dti’s  besides good credit thanks for the feed back I would like answers for both conventional residential and commercial loans 

Any tips to help my search in finding 7% plus cap cash flowing place?

However, housing WHERE you want it, HOW you want it, and at a price YOU want to pay, well that's goes far beyond a "right".There have been many many solutions presented to improve housing affordability, like revamping our asinine building codes, reducing the cost of litigation, rewriting insanely punitive legislation such as the CRLTO, providing tax credits or reducing taxes, and increasing subsidies while reducing the red-tape associated with using those subsidies.

So my focus is just to build my credit until I can go back to them to get preapproved.