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All Forum Posts by: April Higbee

April Higbee has started 1 posts and replied 4 times.

Post: private money lenders

April HigbeePosted
  • Bristol, IN
  • Posts 4
  • Votes 0
Originally posted by Aaron Churnick:

For what it is worth April, sounds like you have lived an uphill battle, and it isn't going to change for you anytime soon.

lol i'm only 22. i'm just starting out! i know its going to be difficult, but i believe it is going to be worth it.
Raymond...i have no idea what a 30 day spending diary is. I thought u meant that its a way you plan out your paychecks to see what your spending money on?
Jon..thank you very much for that advice. i have seen so many things like that come up and people offering me courses and such. The only thing i have attended was a fortune builders seminar, but that is only bc i think Than is incredibly smart! I loved the seminar.
and rob...lol we are getting married next year in June. we have been together for 4 years and have 2 kids together. I'm never going to get away from him even if i tried lol we basically already consider whats his is mine and whats mine is mine lol i'm just kidding. We share.
I guess i just jumped in too quickly thinking i knew everything! I'm still going to try every way to get out there. I'm not going to sit back and do nothing i am way too impatient that's just how i am! Everyone is different. I know for sure i'm going to make mistakes without a doubt , but that is how you know what not to do again! You learn from experience
but all in all thank you guys! i'm going to try and save everything i can and indulge myself in information.
oh yea where can i get the Dave Ramsey book?
and a deal analyzer?
also did anyone else attend the local group meetings? thinking about becoming a member

Post: private money lenders

April HigbeePosted
  • Bristol, IN
  • Posts 4
  • Votes 0

not monthly. we plan out our checks bi- weekly. we write down what bills we have to pay and just subtract from amount of the check. We agreed that we are just going to wait until taxes. And in the mean time im going to go to the library and start getting books bc i think i jumped in too soon. And jon i know people have more than 15 thousand. It was kind of a little sarcasm lol

Post: private money lenders

April HigbeePosted
  • Bristol, IN
  • Posts 4
  • Votes 0

wholesaling and private money lenders were things that other people have suggested to me. And J i have nothing on my credit. it is at a stand still. or as the bank puts it "unavailable". My score is 647. There are four of us trying to jump into this. My credit is the best out of all of us, but im the only one not working bc im a stay at home mom and my fiance works. My in-laws(partners) make good money, but they have a bankruptcy on their credit that they never followed through with. And it is not easy saving money when you have 2 toddlers so no...i do not blow my money. After bills there is usually nothing left, but my other partners have a small business already doing home repairs. They know a lot about flipping houses and estimations, construction, things like that. My father in law is a licensed contractor. I know how to market VERY well. And i am also going to school for interior design. So those kinds of things and actually getting a deal DONE is not a problem for us..its just starting off financially that is slowing us down. If that explains the situation better to you guys? Thank you very much for your information. I am overloaded and anything helps right now even if it is bursting my bubble lol. I guess we are going to have to wait until tax time and put all of our money together and go the hard money route. I am just so motivated and have bugs in my butt i didn't want to wait until then. I should have listened to my mother when she told me credit was important!

Post: private money lenders

April HigbeePosted
  • Bristol, IN
  • Posts 4
  • Votes 0

Hi, i am having some problems trying to start out the family business. We have tried every finance company in the area and at least 4 different banks. They all have told us the same things on why we have been denied. None of us have good enough credit. I finally got in touch with a hard money lender willing to work with us, but we need 15,000 down to put into a reserve account. That is our other problem WE HAVE NO MONEY! who has 15 THOUSAND just laying around! lol so...my question is what should i do? We are attending monthly real estate clubs and we have a membership so we can learn more. I have read that we could wholesale, but i still dont understand how you can wholesale with no money? Also, i heard of private money lenders but every site i go to for listings of lenders it COSTS! I feel like i am running in circles...PLEASE HELP