Those 200 hours include taking on setbacks and going through and overcoming them. Because any credit card you hold, will be considered as maxed out (whether it is or isn’t) and therefore reduce your debt service ratio. They of course never do and months turn into years, and that credit card debt gets bigger and it all becomes too hard. Another problem most of you will come across in your property investing journey is valuations. If you're a first time investor it might be that you've got a credit card and so you can't get your finance.