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Meet The Creative Real Estate Investor Purchasing & Remodeling Properties Using Credit Cards

Have you ever wanted to get into real estate but didn’t have enough funds to start? Have you ever thought of buying a property by using credit cards? Brandon Elliott has successfully utilized this lucrative strategy of purchasing and remodeling properties with credit cards over dozens of times. Last year during the pandemic, Brandon was able to liquidate $200K from credit cards as a safety net to purchase a 4-Plex in San Diego, CA just 5 minutes walking distance to Balboa Park and San Diego Zoo. Credit cards are a useful tool that has highly contributed to where Brandon is today. 

Brandon’s Background

Brandon was a middle child, raised in a small town, South of New Jersey, by a single mom of three kids. His mother went through bipolar depression and couldn’t keep a stable job so his family depended on government assistance just to make it by. With having no father figure or mentor and piles of overdue bills, as the only man in the house, Brandon leaned on drug dealing to help provide for his family. Being on that path,  he went through many difficult situations- from being hospitalized in the ICU three times to being robbed the day before Christmas by his close friends and having dangerous encounters with guns to the head and knives to his throat. After an explosion happened and having 3-degree burns on his body while making hash oil, Brandon saw this as a sign from God and decided to make a turn on his life. Starting all over again, Brandon worked back-to-back in two restaurant jobs, and during any breaks, he would tune in podcasts or YouTube videos and books to learn everything he could on real estate and credit for two years After saving just $35,000 and with the extra help of credit, Brandon purchased his first rental property back in 2015. Brandon’s real estate portfolio has 20+ plus doors which consist of residential multifamily that is 2,3, and 4 units. Currently, Brandon just acquired a duplex and is doing a ground-up construction, adding 2 ADU’s in the back turning it into another 4-Plex. Being able to be financially free and witnessing the abundance of opportunities that both credit and real estate has given him, Brandon is passionate about helping others do the same which led him to host a weekly podcast called “Ready. Set. Go. REI” sharing how to invest in real estate successfully with little to no money in various strategic ways every Monday.


Brandon Elliott’s Profession

Top 100 in Finance of 2020, Brandon is a leading authority in real estate and credit. He is experienced and has proven results utilizing credit to invest in real estate and implement the “BRRRR Strategy.” Brandon has a thriving credit repair and tradelines company including a private mentorship where he shares more than 6-figures worth of credit education such as building a business as well as personal credit up to 7-figures, manufactured spending techniques, creating millions of points equivalent to cash, free travels, free presidential suites, high-status matching, and even buying multi families using credit cards. Being able to be financially free and witnessing the abundance of opportunities that both credit and real estate has given him, Brandon is passionate in helping others do the same, leading him to host a weekly podcast: “Ready. Set. Go. Real Estate Investing” sharing how to invest in real estate successfully with little to no money in various strategic ways. 



Brandon owns several successful businesses that include real estate, credit repair, tradelines companies, private mentorships, and Walmart Automation Stores. Surprisingly, his primary business model is the word of mouth and referrals allowing the results to speak for themselves. Brandon holds over 20+ doors, completed numerous “Fix & Flips” with the worst project being 60% cash-on-cash return, however now focuses on the “BRRRR Strategy” and short-term rentals like Airbnb and VRBO. From the credit knowledge taught in his Credit Counsel Elite, Brandon was able to liquidate over $200K for a safety net when purchasing a 4-PLEX in one of the most desirable locations in San Diego. Brandon’s real estate portfolio consists of residential multifamily that are 2,3 and 4 units. Currently, Brandon just acquired a duplex and is doing a ground-up construction, adding 2 ADU’s in the back turning it into another 4-Plex. 


Using Credit Cards To Purchase Multi-Families

There are many benefits to using credit cards and that includes buying real estate. By using credit cards to purchase and remodel properties, you will be able to protect yourself from bad contractors and as a bonus, be able to earn enough points for amazing rewards such as free vacations, free hotel stays free upgrades like presidential suites or luxury rental cars, and even free flights! However, if your credit score is low and utilization is high, it will definitely be more difficult to leverage your credit and especially refinance your loan. To help you improve your credit, Brandon shared a few tips that you can take action on today. Utilization makes up 30% of your credit score so by paying your credit cards in full before the statement closing date, you will allow your score not to fluctuate but stay consistently elevated. Most people think that inquiries make up most of your credit score however while it does contribute to the score, credit history actually affects it more by 15%. The fastest way of increasing your credit history is through getting tradelines. Many people are unaware that authorized users affect three out of the six boxes making up 55% of your FICO score. Being added as an authorized user has no effect on the main account holder however, whatever credit history they have on only that particular card will report and have a huge impact on your credit profile. 


To learn more about building and leveraging business credit or improving your score, reach out to Brandon: 

Text “Credit” to (609) 231-9018

Email: brandonelliottinvestments@gmail.com

LinkedIn: https://www.linkedin.com/in/brandon-elliott-6b1643148

Instagram: https://www.instagram.com/brandonelliottinvestments/

YouTube: https://www.youtube.com/channel/UCShy24LfKaYROZNXekFt2CA

Podcast: https://podcasts.apple.com/us/podcast/ready-set-go-real-estate-investing-podcas t/id1341397059?mt=2

Website: www.CreditCounselElite.com

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