HI Cody, A good strategies to implement:- business lines of credit because utilization up to your credit limits on these assuming they dont also report to personal trans/equi/exp bureaus will not affect your personal fico scores- obtain personal lines of credit and credit cards with no cash advance fee's too despite them possibly affecting your ficos because these can be the last line of defense if you really need quick capital- on each BRRR you do, try to get lines of credit on the newly created equity post rehab so you in your wake of BRRR deals you have more and more equity access to your properties fund subsequent deals in the future- a more advanced strategy is to utilize commercial blank lines of credit as they are larger and more efficient and can tie up multiple trust deed attachements and properties into one CLOC to use as opposed to have many small LOC's on each property- keep your DTI debt to income ratios low, keep your DSCR or global DSCR high (total cashflow over your total personal and business liabilites at 1.25X+) so that you're always bankable- work on personal ficos and personal credit as well just so you have flexibility to obtain capital/financing on either business or personal sidesHope that helps but that will set you free above if maintain within a comprehensive investing strategyBest,

I have 2 ridiculously high interest credit cards, 29%.I'll get rid of that one first.

We had to come up with the $90,000 down payment.Had $30,000 in SavingsHELOC $27,000Student Loans (im in school on GI bill ) $20,000Chase Credit card cash advance (0% interest for 1 year) $15,000:) NAPA uses Bank of America, NAPA is the one who approves you and BOA just handles the $$How did you add value to the deal?

@Jace Holti really want to stay in the married housing side. thay tend to stay longer and are better renters. but dealing with people renting on student loans seems like a house of cards when it comes to stability.

I also have a 14 month zero interest Credit card to buy most of the supplies/appliances with 2% cash back.

My wife and I bought a house in 2017, bought 2 newer cars (2014 & 2016), total debt with student loans and credit cards is around $315,000.

I also don't do that long form where you ask for every bank account, credit card account, and previous landlord they have had since 1981.

Yep, we built our house of card up another level. 

Since then I’ve bought one duplex, I bought my own house and also applied for multiple credit cards (which were accepted) and a line of credit with my bank.

Another side note about finding roofers I didnt see in this post is go to your local lumber yard and theres a good chance they have a bulletin board with tons of small companies business cards that need work or just ask the people who work there.