Are you using your own money or credit to by investment properties?Ultimately there is no wrong or right. There is only what's right for YOU. But the fact is if you are using your own money and/or credit you're eventually going to run into a wall unless you're a gazillionaire. I'm not sure how much money gazillionaires have but it's more than they'll ever need.

If you're using your credit to take out mortgages to buy real estate, all these loans will be on your credit report and eventually lenders will refuse to loan you more money. It could happen after buying a few real estate investments or it could happen after buying dozens of houses but that day will eventually arrive.

Taking out a bunch of loans also puts your credit at risk. What happens if you can't make the payments on just one of those loans? The worst case scenario plays out more often than you might think with tenants disappearing and leaving the house in a state of disrepair. Too many investors have learned this lesson from the school of hard knocks. Don't be the next one.

Buying houses "subject to" is what savvy investors do. There are more motivated sellers willing to have you take over their payments to get rid of their problem than you can shake a stick at and there not that difficult to locate. Finding is a simple numbers game. Buying real estate in this manner is using leverage in the form of OPM (other people's money) and you won't even have to deal with lenders anymore.

There's no reason for lenders to check your credit when you buy property "subject to" the existing financing. That's one of the many advantages of learning and using creative real estate financing. Whether you take out mortgages or use creative financing is really a personal decision but you'll learn the art of buying houses "subject to" and many other useful techniques in my Real Estate Investing Online Home Study Course.

Are you tired of all the conflicting information you read in books? Wouldn't it be better to learn from someone who's actually made money investing in real estate?