I'm sure I don't have one. No plastic.
I own a number of houses, all fsbo's. A few rules of thumb:
Don't even look at anything requiring a bank mortgage.
Don't count on a property generating income.
Look for properties at tax sales, and look for fsbo's, and if financing has to happen, go with seller financing. Avoid properties listed with a realtor.
I've been doing this for a few years (while my friends have been drinking and wenching through college). I've never had to lay out more than $2k for anything, up front. How am I doing? Let's just say it's "lucrative." :)
Yeah, can't steal anything from THEM, right? < /sarc >