Hi all,I am a 23-year-old who just moved to Minneapolis to start working full-time with a public accounting firm.

We do have Real estate to secure the deal and also have additional investment properties.

Will I be able to secure a home equity line of credit with only $2000 a month income so I can get started or would a lender like to see more income coming in every month?

As noted by others the public records should have all the liens that are recorded on a property.

You might have a security deposit and the rent to pay.

If they pre-sell then they have less marketing, lower carry costs, etc.In another situation a developer might need to sell a certain number of units to secure the construction financing.

Most sellers will tell you if you ask as they know you can largely figure it out based on the public documents.

You have to ALWAYS think safety & security first!

I do have a Social Security Number but unfortunately I have no Credit History.

Ray rarely speaks publicly but if you do get the chance to meet him you will be bowled over with his knowledge and interest in helping others.I am an owner of the guide and have spent time with Ray over the last 2-3 years (we both attend the Lenders Workshop where I moderate the evening and he is one of the panel reviewing the deals presented by the attendees).I have no stake in Ray's course or in his business.