Their system for paying yourself also evens out the payments.

After 4 months they give you the opportunity to open a secured credit cardAnother is called "Kikoff": These guys will report a $500 Limit Credit Line for less than 5 bucks a month.These modern services are a great place to start, they will never report late payments, won't get you into debt and build your credit score every bit as much as credit cards.After you 3 - 5 of these open for 90 days THEN apply for credit cards, you will get much better approvals, higher limits, lower rates, more rewards etc...Mortgage lenders will also be looking at how long those accounts have been open.

Start low if possible, offering yourself to the companies, and listen a lot of podcast from people that did this.- Partner is always better, but to put your name out there you have to do it yourself.

Have couple of offers to buy, one is convenience store and the other is storage company.

I had a very successful HML company there funding mid 2000  turnkey guys/gals. 

For investors who manage to purchase properties with a low down payment; they still need to have a reserve fund that is readily available, and properties with high leverage (low down payments), make the entire investment much riskier. 

Multiple, billion dollar companies are investing heavy in our area, such as Intel, Google, and Amazon.

The best rate is, more than likely, the one that the property currently has.Helocs and Second Mortgages can go up to a 95% CLTV and though it will have a higher rate than a full refi, its worth comparing the average blended rate vs a full refi at todays rates.I wouldnt be the one to help you in Illinois but I can put you in touch with someone else within my company.

Hi Chris -  My company specializes in helping homeowners navigate state housing regulations.If your life circumstances change and you move out before 3 yrs is up, you will not be penalized.

Just wanted to share, I've noticed a loosening in down payment requirements for DSCR (debt service ratio loans) that either use the actual or proposed rental income to qualify.