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All Forum Posts by: Ben Aaron

Ben Aaron has started 6 posts and replied 56 times.

Post: How i use my CC in 2023 to maximize my ROI

Ben AaronPosted
  • Investor
  • San Francisco
  • Posts 58
  • Votes 12
Quote from @Travis Timmons:

Ben...please stop. You obviously have a service to sell; just come out and say it. I'm sure that it has some value, but this isn't an advertising and marketing forum. Don't hide behind the charade that you actually want to help someone or that this is some sort of informative post. 

Travis I do provide services but am also very happy to share my knowledge in real estate in general, which i obviously don't charge and do in other people's posts and in privet.  And like any topic in life, you can read and google/ask chat gpt about it and do it yourself so I'm here saying it and opening people's minds and letting people do their research and dissection.  

Post: How i use my CC in 2023 to maximize my ROI

Ben AaronPosted
  • Investor
  • San Francisco
  • Posts 58
  • Votes 12
Quote from @Jeremy Horton:
Quote from @Ben Aaron:
Quote from @Jeremy Horton:
Quote from @Sarah Kensinger:

We utilize the 0% CC as well! This is a great way to furnish a property or make some repairs! But you also need to have a plan to pay the CC or roll the debt unto another CC before the 0% is up.


 You mean balance transfer into a new 0% card for the next year?! And just keep repeating lol

I have heard of people buying actual houses with a CC, that's what I'd like to figure out how to do 


 Thats exactly what i do!

let me know if you want more infor, i help real Estate investors get access to 0% capital 


 Yea go ahead and post up what you got

we analyze the credit profile of Clint and we work directly with each Clint and build for them a personalized plan to get them the amount of capital they need and together with the connection we have with the banks we achieve the the capital they need.

Some clints have sometimes some issues with their personal credit profile and we help them to optimize their credit.

We get paid based on results only after our clints get their capital not before.

Post: How i use my CC in 2023 to maximize my ROI

Ben AaronPosted
  • Investor
  • San Francisco
  • Posts 58
  • Votes 12

we analyze the credit profile of Clint and we work directly with each Clint and build for them a personalized plan to get them the amount of capital they need and together with the connection we have with the banks we achieve the the capital they need.

Some clints have sometimes some issues with their personal credit profile and we help them to optimize their credit.

We get paid based on results only after our clints get their capital not before.

Post: How i use my CC in 2023 to maximize my ROI

Ben AaronPosted
  • Investor
  • San Francisco
  • Posts 58
  • Votes 12
Quote from @Jeremy Horton:
Quote from @Sarah Kensinger:

We utilize the 0% CC as well! This is a great way to furnish a property or make some repairs! But you also need to have a plan to pay the CC or roll the debt unto another CC before the 0% is up.


 You mean balance transfer into a new 0% card for the next year?! And just keep repeating lol

I have heard of people buying actual houses with a CC, that's what I'd like to figure out how to do 


 Thats exactly what i do!

let me know if you want more infor, i help real Estate investors get access to 0% capital 

Post: How i use my CC in 2023 to maximize my ROI

Ben AaronPosted
  • Investor
  • San Francisco
  • Posts 58
  • Votes 12
Quote from @Yocheved Beer:

@Ben Aaron so how do you do it?


 reach out i will show you 

Post: How i use my CC in 2023 to maximize my ROI

Ben AaronPosted
  • Investor
  • San Francisco
  • Posts 58
  • Votes 12

I help investors get it, let's connect 

Post: How i use my CC in 2023 to maximize my ROI

Ben AaronPosted
  • Investor
  • San Francisco
  • Posts 58
  • Votes 12

Im 100% with you guys!

As long there is a liquidity moment ( Sale or refi) that will work, i will not use it just for regular life expense

Post: How i use my CC in 2023 to maximize my ROI

Ben AaronPosted
  • Investor
  • San Francisco
  • Posts 58
  • Votes 12
Quote from @V.G Jason:
Quote from @Ben Aaron:
Quote from @Jay Hinrichs:
Quote from @Ben Aaron:
Quote from @V.G Jason:

You bought stuff on a 0% APR, prayed they did not have issues before the apr financing ran out, got lucky they didn't and were able to come out safely?

If so, congrats on being lucky. No credit for trying to come off as shrewd or smart. Any luck that went against you, you probably would never recover.


use credit cards only for covering all contraction costs, materials, and other project expenses you can pay with CC( utilities, Insurance etc). Those expenses I will have no matter what but with having the 0% APR CC i was able not to commit my money to one project and manage it.
So when sold/refinanced I paid the cards, I had 2 rentals and one flip on going 2023.

this is not a new concept its been talked about on BP ad nauseam over the years. Works fine for those that are diligent and diciplined in their credit and the jobs go as planned .. For those that lose control of the CC debt great way to bury yourself :)  also I have to imagine it affects your fico if your putting a ton on of money on your CC .. ??? So when you go to refi you may have to pay higher rates as your fico is not as good ?  maybe ??
It will not affect your FICO score because the credit cards are on your business and not on your personal. you can maximize the cards but your personal  utilization rate will not be have negative effects. 

To get a business credit card--for a single member LLC, they'll still run it under your personal credit. You may not be liable, but your credit is impacted I believe. Utilization won't be impacted, but messing it up by not paying or getting screwed will.

But to Jay's point, this has been used and told for a million times on how to leverage on real estate. In the low rate era this was done and consequences were not severe. In this era, recourse is significantly more severe. 

It works if everything goes as planned and you are disciplined, but usually someone in this situations isn't disciplined and is a poor money manager. So there's that.


 Absolute! Leveraging real estate is not for everyone no matter if you are an investor or end buyer taking a mortgage for his own house. If you don't know how to handle debts don't take debts on you!

Post: How i use my CC in 2023 to maximize my ROI

Ben AaronPosted
  • Investor
  • San Francisco
  • Posts 58
  • Votes 12
Quote from @Jay Hinrichs:
Quote from @Ben Aaron:
Quote from @V.G Jason:

You bought stuff on a 0% APR, prayed they did not have issues before the apr financing ran out, got lucky they didn't and were able to come out safely?

If so, congrats on being lucky. No credit for trying to come off as shrewd or smart. Any luck that went against you, you probably would never recover.


use credit cards only for covering all contraction costs, materials, and other project expenses you can pay with CC( utilities, Insurance etc). Those expenses I will have no matter what but with having the 0% APR CC i was able not to commit my money to one project and manage it.
So when sold/refinanced I paid the cards, I had 2 rentals and one flip on going 2023.

this is not a new concept its been talked about on BP ad nauseam over the years. Works fine for those that are diligent and diciplined in their credit and the jobs go as planned .. For those that lose control of the CC debt great way to bury yourself :)  also I have to imagine it affects your fico if your putting a ton on of money on your CC .. ??? So when you go to refi you may have to pay higher rates as your fico is not as good ?  maybe ??
It will not affect your FICO score because the credit cards are on your business and not on your personal. you can maximize the cards but your personal  utilization rate will not be have negative effects. 

Post: How i use my CC in 2023 to maximize my ROI

Ben AaronPosted
  • Investor
  • San Francisco
  • Posts 58
  • Votes 12
Quote from @V.G Jason:

Could you cover those costs out of pocket if something slipped off the timeline or you had an extra expense unexpected?


 You can always do a balance transfer if you are stuck, but you need to look at it as an option to have more capital for investments and not for buying cars or watches...