It doesn't matter if it is real estate or baseball cards, get to know the products and stay close to what is happening.  

While you save up work on building up your credit history with a credit card.

Debt is only bad if you are paying a lot for it (example: credit card debt).I am happy to talk financing strategy and REI with you.

That's your only power card is involving the case manager.

Have one Bank account and credit card for your rental activities.Get an accounting software to help you organize your income and expenses.save your receipts in an online storage platform such as dropbox or google drive.Do your books once a month or if you don't have much transactions, maybe once every 3 months.Best of luck!

If not you are finding yourself in a crap shoot and the seller holds all the cards. 

You’ll still want to reconcile your actual business bank and credit card statements.

Option 2: HELOC (Home Equity Line of Credit) This acts like a credit card secured by your property's equity.Option 3: Portfolio Loan. 

I have this crazy debt ratio without any bad debt (no credit card debt, no car loans, no personnel loans, no toy loans (I have various ritually every toy: 7 cars, 2 boats, a motor cycle, beach house - still missing a plane)).Dave Ramsey’s advice is correct for many/most Americans but is hindering to most BP users.best wishes

Plan closing funds by stacking: ask for seller credits toward closing, use allowable gift funds, and price out down‑payment assistance or a small 0% promo card for minor repairs after closing.