I currently live in an apartment in Ogden, commuting to SLC for work and attending BP Podcast University ;)Occupation: Artist, Office Manager at Dezember Photography, Painting Instructor at The Paint MixerGoal: Financial freedom!

I can easily get quotes with some phone work and significantly beat their quotes on virtually everything.... their price is about double..

You can also connect virtually with some active and/or passive investors here on BP.

Should I go with a service or with a virtual assistant? 

Hi, so my name is Ben and I am a 2nd-year student at the University of Maryland College Park.

You virtually have 120k cash available and you also already hold couple of properties under 100k so you must be comfortable with that.So here is what i would do in your case.I would use your HELOC and find a distressed property and buy it cash.

Then in autumn, decide where to live - if summer rental income too good to pass up, might be able to live in front during off season and then rent bungalow to Monmouth University student during off season, then move into bungalow during summer for summer rental of front again.

The area is growing and it is close to a downtown area with a lot of jobs and university.

The bottom unit rents out for $750 and is super close to the university so it's very nice to rent to students.

First, don’t pay attention to Credit Karma or virtually any other credit system other than the official FICO scores.