I built on credit cards mostly and with great tenacity, I  got a lender to finance a mortgage when most companies abruptly halted mortgage approval.During the crisis I took time off from building more.

It’s free for landlords (tenants cover any payment processing fees) and lets renters pay via ACH, debit, or credit card.

Can't go for conventional refinance loan since my credit card utilization is high. 

As a side note, I always use credit card/travel hacking when doing this kind of spend, this last one basically bought be a free flight to Europe.

Lastly, this rate reduction would increase guests disposable income as credit card interest rates would reduce also. 

That’s been a big safeguard against identity-sharing scams.Verify income and employment directly from the source.Instead of relying on uploaded pay stubs or bank screenshots, newer systems can connect directly to payroll or bank providers to confirm real-time income and flag fraudulent documents automatically.Automate rental history verification.Manual landlord calls are often unreliable.

Credit card transactions still have to be entered manually.We actually use QuickBooks Online (QBO) for our accounting since it gives us more flexibility and reporting options.I’d also love to see an in-app calling feature (right now it’s text only).More flexibility to create custom CRM statuses would be nice too.I haven’t tried many other platforms yet, but for now AppFolio covers most of what we need pretty well.

Running the renovations on teaser-rate credit cards will end badly for many.

I’ve reached out to over 20 lenders — everything from hard money to business credit lines — and most said “no” until my bankruptcy is discharged or four years past discharge.I’m not looking for personal loans or unsecured business cards — just realistic options for property acquisition or rehab loans where lenders focus on income, deal strength, or collateral value, not just credit history.If you’ve worked with any smaller or more flexible private lenders — even newer companies or individual investors — I’d really appreciate if you could share:Who they are (or at least what type of lender they are)What their approval terms were like (credit requirements, bankruptcy flexibility, etc.)What worked best when approaching them (structure, pitch, documentation, etc.)I know a lot of people in this community have rebuilt after tough seasons — any guidance or names would mean a lot.Thanks in advance for your insight and for helping someone who’s rebuilding the right way.

It handles passwords and other types of sensitive information such as credit cards and Social Security numbers.