And as @Arjun K. said, if you're paying 15% for a credit card, any return you have it eaten up by your personal income.But here is what you CAN do: shift your price point to more affordable investment properties (I do under 30k), switch to credit unions vs banks for their looser underwriting policies for different loan products, but make sure you are paying down your debt each and every month while you're exploring these other opportunities.

The 70% rule does not work in HOT markets and it does not work in declining markets as well.

Take a look at this example transaction from a lender website:https://www.efirstbank.com/products/credit-loan/retirement-based-real-estate.htm

Personal loans from the credit unions - not really difficult to getTitle your car if its paid off and it has equity --Ive done this 3 times with the same car - again not really difficult to getIve had lower credit, so I had to go for loan products that are easier to obtain than more stringent ones, as well as properties that are lower priced to fund them.

What Is The Issue That Your Product / Solution Will Address?

They make consumer products in a "hit driven" market.

It's a product of Biggert-Waters.

What if you're doing things part time and not as productive maybe as a full time realtor?

The customer service is great on their higher tier products and from my experience, getting additional offers has not been a problem.

A couple years ago, one of the HELOC's was frozen due to "declining real estate values".