Holding Cost includes $600 Appraisal fee, Utilities $175, HOA Fee $75, Interest on Credit Cards $415.

I have no credit card debt as I have no credit card.

I have a full time job as a dental assistant making around 35k a year after tax with 0 tuition debt, 0 credit card debt with 740 score (been building credit almost 2 years ) , no car payments, pay a rent ($400) to my parents every month, I save 75% of my checks and have about 25k ready to work.

The tenant is just trying to get his citizenship/green card.

And make sure you got a good deal or two under contract so when you hand out your cards or get their info, you at least have something to show them if they ask what you have.

To get started on repairs we opened up a rewards card that had a nice introductory bonus points, 0% APR for 18 months and 1.5% cash back on everything and got to work.

Sure, you could always go back to the written lease and say that it's not in writing, but I find that the estoppel forces everyone to put all their cards on the table - both the seller and the tenant - so they won't be able to try any funny business or "revisionist history" after closing.I find that the existing leases (if any) on properties I purchase are not very "tight" - so there is room for interpretation. 

Since I didn’t have any money it was all done on credit cards.

- Can you reconcile bank and credit card accounts?

You can also look at their credit history which will show if they make late payments to other debts (credit cards, loans..).