<prompt> Human: So a little back story. I am 25, recent college graduate who is unemployed. I just got my california real estate license and am working on getting into the industry. When I graduated my father gave me 200,000 to invest with. I decided to buy a rental property but not want to expand and buy more properties but I have horrible credit. Are there any ways that I can use this capital to invest more without credit?  <response>: You have a bought and paid for investment property, and no job. Do not mortgage what you have to overreachexpand. You cant afford to, and you need to sit down, get a jobearn some money, and improve your credit before you start thinking of expansion.What you are looking to do now is a bad idea. You have horrible credit because you have made poor financial choices and this would be another one. Until you have good credit and a good track record you should not be sinking yourself into more ill advised debt. Educate yourself on financial matters - read the FAQs here and explore some books and most importantly cool your jets. You seem really impatient to expand and invest - you cant afford to. Dont fritter away your dads 200k on some harebrained scheme or bad investment. 