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You're here because you're ready to take control of your financial future but need the right steps to make it happen
You're here because you know what you want and you're ready to put in the work. All you need is the right guidance.
You’re done feeling like homeownership is always just out of reach.
You’re done watching home prices rise while your savings struggle to keep up.
You’re done feeling confused by credit scores, debt ratios, and lender requirements.
You’re done wasting time on advice that doesn’t actually get you closer to buying.
You’re done feeling stuck, uncertain, and unsure of your next move.
YEP THAT´S ME! BUT...
"I don´t know where to start because I´m overwhelmed from conflicting advice and so many real estate coaching programs!"
MAYBE YOU CAN RELATE TO ONE OF THESE SITUATIONS...
You’ve tried saving for a home, but your budget’s always stretched too thin, and it feels like you’re never making progress.
You don’t even know where to start—every mortgage tip and homebuying video just leaves you feeling overwhelmed, unsure of what’s real and what’s a scam.
You’ve tried improving your credit, but the scores never seem to budge, and you’re not sure what steps actually make a difference.
You’ve saved for a down payment, but the goal feels so far away, and it’s hard to know if you’re saving enough or if you're even saving the right way.
Imagine if there was a proven system that could show you exactly how to get approved for your first rental property
Imagine having a clear, step-by-step framework that eliminates the guesswork and fast-tracks your path to homeownership.
No more feeling stuck, wasting time on advice that doesn’t work, or second-guessing every move you make—our no-fluff approach gets you straight to what matters.
Whether you're saving for a down payment or building your credit, with the First Time Homebuyer Incubator, you can take control of your home buying journey and unlock the keys to the home you’ve been dreaming of.
this could be you
JUST IMAGINE...
You’ve achieved your goal of homeownership, with a clear, confident understanding of your finances and a home to call your own.
You’ve built a solid foundation of financial knowledge, allowing you to make empowered decisions about your property and investments.
Your credit, budgeting, and tax strategies are on track, giving you peace of mind and financial stability as you plan for the future.
You’re experiencing the freedom and security that comes with a well-managed financial life, knowing your dream home is within reach.
Stop dreaming about the life you want and start building it.
FIRST TIME HOMEBUYER SERVICES
"After years of working as a financial therapist, building a financial consultancy, and helping hundreds of first time homebuyers, I truly believe there's never been a greater need for first time homebuyers to shift to buying rental properties first. The wealth leap has never been higher!"
Candace, ICU Founder, CEO & First Time Homebuyer
WELCOME TO THE:
CBT Monitor
In the CBT Monitor™, you’ll follow a proven financial treatment plan to go from renter to rental property owner—without financial stress. The home buying process can feel like a high-risk procedure, from eliminating debt and strengthening credit to stacking savings and leveraging other people’s money for your down payment.
Our no-fluff, prescription-strength approach breaks it all down into a step-by-step system designed to get you mortgage-ready in 12-24 months*. Get ready to take control of your financial health, secure your first rental property, and build long-term wealth—on your terms.
*RESULTS MAY VARY
CBT MONITOR
Our proven, rock-solid 6-step process is the secret behind 100s of today´s successful first time homebuyers.
01
Debt Detox
Flush out high-interest debt to free up cash flow and improve your financial health. A strong debt-to-income ratio is key to securing a mortgage with the best terms.
03
Financial First Aid
Establish a strong emergency fund to ensure financial stability before homeownership. This safety net prevents unexpected expenses from derailing your buying journey and new rental ownership.
05
Cash Infusion
Tap into other people’s money, including 401(k) funds, grants, and whole life insurance, to maximize your purchasing power. Properly structured, these resources can significantly reduce your out-of-pocket costs.
02
Credit Cleanse
Strengthen your credit profile by building positive payment history and optimizing your credit mix. A higher credit score means lower interest rates and better loan options.
04
House Fund Rx
Build a dedicated savings plan for your down payment, closing costs, and homeownership expenses. Consistent contributions bring you closer to owning your first rental property.
06
Tax Triage
Optimize your tax strategy to boost your annual gross income. Strategic tax planning ensures you keep more money in your pocket while aiming for a high mortgage approval amount.
Who´s behind the Money Management Monitor? Meet Candace, founder, first time homebuyer specialist & rental income consultant.
HEEEYYY!
I´m Candace and working with first time homebuyers has given me more fulfilment and freedom than I ever dreamed possible!
I didn’t just learn financial strategy—I lived it. After paying down $50K in debt in just 2.5 years while maintaining an 808 credit score, I was able to purchase my first U.S. property just six months later. I shared my journey on Instagram, breaking down the exact steps I took to transform my finances. The more I shared, the more people reached out, asking for guidance on how to do the same. Before long, I found myself coaching first-time homebuyers and rental investors on credit, cash flow, and tax strategies. That’s when I realized this wasn’t just my story—it was my calling. The Income Care Unit™ was born to help others achieve financial wellness and buy their first rental property with confidence.
"Having worked as a first time homebuyer specialist for over 5 years and grown a successful consultancy I see the growing need for buyers to get the rental property FIRST."
"THERE´S NEVER BEEN A BETTER TIME!"
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MY WHY BEHIND THE PROGRAM
Home prices are climbing faster than ever, making traditional homeownership feel out of reach for many. But instead of seeing it as a setback, it’s actually a chance to build resilient generational wealth.
Whether it’s rising home prices, skyrocketing rents, or the increasing cost of living, the path to homeownership has become more challenging than ever. As the founder of The Income Care Unit™, I’ve experienced firsthand how traditional homebuying no longer makes financial sense for many first-time buyers. That’s why I created the First-Time Homebuyer Incubator™. On one side, aspiring homeowners are struggling to afford a primary residence, while on the other, the fast-paced appreciation of real estate presents a major wealth-building opportunity. By shifting the focus to purchasing a rental property first, buyers can generate income, build equity, and secure their financial future—without sacrificing homeownership. It’s a smarter way to buy!
SARAH´S STORY
"Thanks to the Candace I bought a 3 unit in New York City as a Full Time Entrepreneur First Time Homebuyer!"
When I first signed up as a mother of 3 and a small business owner, I only had the intention of climbing out of my debt and some way, somehow buying a home. I had no idea what all the steps were to obtain this goal. Candace has given me access to different Q&A's, grants, videos, text and one-on-one meetings that have helped tremendously. The masses weren't lying when they said buying a home, becoming debt free and financially literate would be stressful. Candace and her team have made this process a lot less anxiety fueled and have given me the confidence that I'm going about this the correct way. Whenever someone expresses to me that they are having issues or questions about their finances, I always refer them to The ICU without hesitation.
Ready to build the future you´ve always dreamed of?
01
PHASE ONE
Debt Detox
Before you can build wealth, you need to clear financial blockages. In this phase, we focus on aggressively paying down high-interest debt to free up cash flow and improve your debt-to-income ratio (DTI)—a key factor in mortgage approval. With a strategic payoff plan, you’ll eliminate liabilities that could hold you back while maintaining healthy credit activity. By the end of this phase, your finances will be leaner, stronger, and ready for the next step.
02
PHASE TWO
Credit Cleanse
Your credit score is your financial heartbeat, and in this phase, we get it in top shape. We guide you through credit-building strategies, utilization hacks, and payment optimization to strengthen your profile. Whether it’s removing errors, adding positive trade lines, or restructuring balances, every move is designed to boost your mortgage approval odds and lower your interest rate—saving you thousands over the life of your loan.
03
PHASE THREE
Savings First Aid
A strong financial foundation is critical before taking on homeownership. Here, we help you build an emergency fund and reserves, ensuring you can handle unexpected expenses without jeopardizing your investment. We create a structured savings plan that balances your daily finances, future homeownership costs, and rental property maintenance needs, so you’re fully prepared before making your move.
KEL´S STORY
"I have managed to pay over $15K in wedding expenses and pay off not 1, not 2, but 3 credit cards!"
During my time as a client of Candace and the First Time Homebuyer Incubator, I have managed to pay over $15K in wedding expenses and helped pay off not 1, not 2, but 3 credit cards! I've also been on a financial plan that has allowed me to both save towards a house, have enough for daily lifestyle expenses, and travel the world. If you're looking for a physician to help manage your money, look no further than the Queen!
04
PHASE FOUR
House Fund Rx
Now that your finances are stable, it’s time to stack cash specifically for your home purchase. We calculate exactly how much you’ll need for your down payment, closing costs, and post-purchase reserves—then build a customized, realistic savings plan to hit your goal. Whether you’re saving aggressively or working with a longer timeline, this phase ensures that when it’s time to buy, you’re financially ready to close the deal.
05
PHASE FIVE
Cash Infusion
Why use only your own money when you can tap into other people’s money to fund your investment? In this phase, we explore 401(k) withdrawals, grants, whole life insurance loans, and other financial resources to increase your purchasing power. We ensure every option is structured strategically, so you can minimize out-of-pocket costs while maximizing your financial leverage.
06
PHASE SIX
Tax Triage
Your taxes play a major role in how much home you can afford. In this phase, we focus on optimizing your tax strategy to boost your annual gross income, making you a stronger candidate for mortgage approval. We help you structure your finances in a way that keeps more money in your pocket while ensuring you qualify for the highest loan amount possible—putting you in the best position to secure your first rental property.
WHAT'S INCLUDED
THE FULL PROGRAM PLUS EXCLUSIVE FEATURES
CBT Monitor
Unlock Your Path to Being Financially Ready to Purchase Your First Home with the Income Incubator!
In the CBT Monitor™, you’ll follow a proven financial treatment plan to go from renter to rental property owner—without financial stress. The home buying process can feel like a high-risk procedure, from eliminating debt and strengthening credit to stacking savings and leveraging other people’s money for your down payment.
Our no-fluff, prescription-strength approach breaks it all down into a step-by-step system designed to get you mortgage-ready in 12-24 months*. Get ready to take control of your financial health, secure your first rental property, and build long-term wealth—on your terms.
*RESULTS MAY VARY
EVERYTHING YOU WILL GET IN THE PROGRAM
Money Management Portal
Professional Budget Adjustments
Credit, Budget, Tax Health Checks
1:1 Accountability Sessions w/an Aid
Unlimited Chat Support
Financial Urgent Care Calls
But wait! There´s more!
We believe in holistic financial health. Have a business too?
BUDGET STRATEGY
Multiple Streams of Revenue
Healthy cashflow is the lifeblood of every successful business. ICU’s Cashflow Advisory Services are designed to help first time homebuyer business owners take control of their income, expenses, and financial decisions, so you can move from just getting by to truly thriving. With our expert guidance, you’ll get: Personalized cashflow analysis and actionable strategies to maximize your revenue. Support in creating systems to track, manage, and forecast money coming in and out. Tips for handling common cashflow challenges, like marketing or surprise expenses. Tools to help you plan for growth, build reserves, and make confident financial moves. Our approach is holistic and hands-on, focused on helping you build a rental business that’s sustainable, resilient, and ready for the next level.
CREDIT STRATEGY
Separate Your Personal &
Business Finances
Building business credit isn’t just for big corporations, it’s the foundation every landlord and rental entrepreneur needs to unlock funding, protect personal finances, and grow with confidence. ICU’s Business Credit Advisory Services are designed to guide you every step of the way, whether you’re just getting started or looking to strengthen your financial profile. We’ll help you avoid common pitfalls, boost your credibility, and set your rental business up for sustainable growth, no matter where you’re starting from.
TAX STRATEGY
Keep More Money in Your Pocket
Our Landlord Entity Registration service, powered by Tailor Brands, makes it easy for you to set up the right legal foundation for your rental journey—whether you’re just getting started or looking to level up your current portfolio.
We guide you step-by-step through forming your LLC or business entity, ensuring your rental income is protected and your finances are organized from day one. Let’s set your rental business up for success—so you can focus on growing your income, building generational wealth, and keeping your financial house in order.
*Registration price not included in retainer service
And we don't abandon you once the mortgage closes! We transition you into CODE YELLOW for continued Rental Business Support (Cashflow, Credit and Tax Strategy). We're here every step of the way from your first rental to global expansion!
MONTHLY RETAINER SERVICE OPTIONS
Secure your spot today limited new clients are accepted each year
* enrollment closes October 31st
Plan holders agree to autopay by subscribing. You can unsubscribe at any time PRIOR to your next pay date. NO REFUNDS.
Code Green
188
Every month
+$148 Wallet Wellness Exam
Personal Finances ONLY
Valid until canceled
Secure Client Portal
Money Management Portal
Customized Personal Financial Treatment Plan
Monthly Personal Budget Adjustment
Unlimited Chat Access w/Accountability Aid
1:1 Personal Finance Session w/Accountability Aid
Code Red
388
Every month
+$348 Both Wallet Wellness Exams
Personal + Business Finances
Valid until canceled
Secure Client Portal
Money Management Portal
Customized Personal Financial Treatment Plan
Monthly Personal Budget Adjustment
Unlimited Chat Access w/Accountability Aid
1:1 Personal Finance Session w/Accountability Aid
Customized Business Financial Treatment Plan
Monthly Business Budget Adjustment
1:1 Business Strategy Session w/Business Specialist
Overwhelmed and not sure where to start?
Have you had enough of browsing through endless advice online, only to feel paralyzed by information overload?
You know that aimlessly searching for answers won’t help you purchase a rental property or your first home. Jumping from one tip to another won’t give you the details, direction and execution you’re dreaming of.
That’s where we come in.
With a simple, tested, tried-and-true system that gets results over and over again. In the First Time Homebuyer Incubator
you will have:
A step-by-step manual to success
A dedicated financial consultants
The tools and skills you need to level up
READY TO PURCHASE YOUR FIRST PROPERTY?
Just imagine...
You’ve achieved your goal of homeownership, with a clear, confident understanding of your finances and a home to call your own.
Your credit, budgeting, and tax strategies are on track, giving you peace of mind and financial stability as you plan for the future.
You’ve built a solid foundation of financial knowledge, allowing you to make empowered decisions about your property and investments.
You’re experiencing the freedom and security that comes with a well-managed financial life, knowing your dream home is within reach.
The CBT Monitor is the service for you if...
First-Time Homebuyers Ready to Take the Plunge. Individuals who dream of owning a home but feel overwhelmed by the financial steps. They’re eager to start building wealth but need guidance on credit, budgeting, and the mortgage process to move forward confidently
Renters Who Want to Stop Paying Someone Else’s Mortgage. Long-time renters looking to break the cycle and invest in their own property will find this kit invaluable. Who are motivated to own but often aren’t sure how to make it happen financially, especially with current market challenges.
Debt-Burdened Future Homeowners who are burdened by debt and feel that homeownership is out of reach. That want a realistic, step-by-step approach to manage and improve their financial situation, get their credit in shape, and position themselves for mortgage approval.
Financially Savvy Millennials Planning Their Next Big Move. Who want to ensure they’re making financially sound choices. They’re likely already familiar with budgeting and credit basics but need a targeted, streamlined plan for buying a home and building equity effectively.
Hear from Our Current Clients
TAQUITA
This is more than a client and consultant service. She goes above and beyond to make sure you have resources, you understand what needs to happen and where to go from there. Not just with your finances but with your priorities of where your mindset is. If you looking at this review and wondering if I should.
You should.
SHANIECE
I started working with Candace and the Income Care Unit in October 2024. Its been 4 months and my credit score has gone up every month and I already received 3 credit increases on my credit cards. I recommend everyone to work with Candace and her Income Care Unit team. Stick to the plan and you will see results. Thank you so much Candace and Income Care Unit.
STEPHANIE
Candace knows her stuff! Very knowledgable and has connections everywhere! Very friendly and makes you feel comfortable talking about your finances. She is helping me create strategies to live a successful and money conscious life. Book her TODAY!
Frequently Asked Questions
I am so grateful for Queens services!!!!! She is patient and super knowledgeable! She truly creates a blueprint that sets you up for success!!!! She is stuck with me forever !!!!!!! I am making better financial choices because of her! Like she says, “Money management is a mindset !!!! “ She helped me changed my mindset and my savings account is looking good!!!!!!
SHANI
When sis says she has the blueprint, she means it! I’ve never met someone so caring and dedicated to helping people better themselves, business & over all life experience. I have worked with Candace with budgeting, fixing my credit, life insurance and business planning. She has fully changed what I perceived to be accomplishable and offers information and connections for everything you may need! She is my plug for everything and I will absolutely continue to work with her and her company in the future! Thank you so much!
YONETTE
I cannot say enough good things about this company and it’s CEO Candace. I’ve been working with Candace for about 3 months now and I couldn’t be more grateful for how much she has helped change my life already. Not only is she just a beautiful being overall but she is so knowledgeable and full of resources. I am still on my financial journey with her but I couldn’t be happier with her services so far. I would HIGHLY recommend working with her if you’re trying to get your finances back on track. She is AMAZING.
DELAINA
Super responsive, my current situation is not the only priority but establishing better spending and saving habits. The coaching and guidance will continue through to ensure I leave a legacy behind and not debt. Would highly recommend Queen BluePrint Print the services provided are life changing for generations.
ROCHELLE
Working with Candace has been one of the best decisions I’ve made. When I started working with her I had just come out of divorce and job loss which left me in a debt crisis. Ignoring my debt and spending more money was my therapeutic way to deal with the anxiety around my finances. Candace’s methods for developing a healthy money mind set and establishing a financial recovery plan for me has put me on a path to be debt-free. More importantly, I have a healthier relationship with money and understand the value of having good credit. I feel so much more secure in my financial decisions thanks to her and would highly recommend her services.
MISTY
I highly recommend The ICU to everybody trying to get their life together financially. Candace is such a sweet woman dedicated to help others get out of debt the way she has overcame hers. She gave me so much knowledge on how to prepare to become a successful homeowner.
SARAI
Honestly. The ICU changed my life. Ever since receiving my cash flow plan I literally keep track of every single dollar I take out and put into my account. I am no longer afraid to look at my balance because I’m staying on top of it. I know where my money is going and I can tell myself “not today” before making poor spending decisions. Thank you Candace
MEGAN
Candace is a professional, intelligent, and gregarious individual who offers a wealth of financial knowledge. She has the ability to listen, understand, and dissect your situation to provide the best resources to fit your individual needs. She is further substantiated by her vast network of financial colleagues that add even greater depth on subjects of banking and/or credit as well as real estate. She is genuinely concerned with her community and the black diaspora, and therefore prices her services reasonably and offers expert assistance. I definitely recommend.
TIFFANY
I've been with Candace's company for just over 3 years now. Candace has always been friendly and personable. One thing I love about her is that she continuously educates herself about finances. This results in her being super resourceful! She's connected to other amazing professionals who can help her clients reach other financial goals (ex. life insurance, car purchasing, etc). She has helped me reach several financial milestones and cheers me on as we plan how to help me reach more!