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If there were just one rule of successful investing it would be "start as young as you can." Although we frequently hear this advice as it pertains to the stock market, there are a lot of reasons to consider real estate investing in your twenties, too.
If you're willing to spend a few thousand, you can qualify for hundreds of dollars in travel bonuses (Chase Sapphire Preferred® Card), or, if you want some quick cash for not a lot of spending, there are options for you as well (Chase Freedom Unlimited®).
Your mortgage rate is your interest rate on your home loan, and on a loan that big, a 1% difference can result in you paying $300+ less per month. Though rates in general are driven by outside economic factors, you can still lower yours by maximizing factors within your control, such as improving your credit score and finding the right lender.