All Forum Posts by: P. Martin

Sometimes being right is more expensive. A court battle, no rent and potential vandalism seem more expensive than a bribe to me. Not my property though.

Would also obviate needing to move anything onto the yard.

0 Votes

Looking for a contractor to level a pier and beam and pull the permit.

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Cash for keys and her voluntary quitting of the premises?

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Originally posted by @Mindy Jensen:

This is a tough situation, @P. Martin. My husband and I are in a similar situation, but with a higher credit score. He has had the same job for the last 12 years, but circumstances changed and he is now a 1099 employee rather than a w-2. Every bank we have talked to has said the same thing, they need two years of tax returns from 1099 employment before they will even look at giving you a loan. We have extremely high credit scores, mid-800's and have used the same lender for the last 7 transactions and they cannot bend.

There are a few options I can think of: A co-signer, a credit union, family/friends lending you the money until you have the two years of tax returns.

If none of this is an option, I think you should concentrate on raising your credit score while you wait the two years. Have you gotten a copy of your credit report in the last 365 days? You are entitled to one every year, and it is good practice to check it out every year. You can make sure there isn't any incorrect information on the report that could be negatively effecting your score.

Do you have a high debt-to-credit ratio? If so, concentrate on lowering those outstanding balances. Do you pay off your credit cards every month? Try having a small balance for a couple of months, and make sure you make the payment on time every month. That can knock your score, too.

Good luck!

Does a cosigner actually help? Seems like I still need to qualify anyway even with one?

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Not really no. Was looking more for suggestions on options or feedback on if anyone in similar circumstance had success.

Not exactly looking to hammer my credit with inquiries through all the programs in a fruitless endeavor.

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I'd like to purchase a condo to use as my primary residence for ~80k. Last year I had a w2 job, but am now working as a 1099 contractor. Credit is mid 600s depending on where I am looking.

Suggestions on how I could make this happen?

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I'd like to purchase a condo to use as my primary residence for ~80k. Last year I had a w2 job, but am now working as a 1099 contractor. Credit is mid 600s depending on where I am looking.

Suggestions on how I could make this happen?

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What is the roi on divorce?

I'm kidding I'm kidding!

3 Votes

Your greed got the best of you. This falls under the "If it seems too good to be true" maxim.

"The reason why I gave home my cc was because I believe him that he could get me homedeopt gift cards at 40% discount and I wanted to buy them from him."

2 Votes

There is an old rail yard across the street from my property. Construction is just now beginning on a huge k-12 charter school.

Can't say I am too happy about the fact that someone decided it would be a good idea to include an entrance on my street(a small and fairly narrow residential street which does not need additional traffic).

My personal feelings aside, any thoughts on whether this will help or hinder the neighborhood? It's currently a pretty run down neighborhood of older homes from the early 20th century. Close to downtown with nearby signs of gentrification.

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All Forum Posts by: P. Martin

P. Martin has started 13 posts and replied 125 times.

Post: Problematic Tenant Asks For Dog Despite No Pet Policy

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Post: Problematic Tenant Asks For Dog Despite No Pet Policy

Post: Owner Occupied Condo. Mid 600s scores. 1099 contractor

Post: Owner Occupied Condo. Mid 600s scores. 1099 contractor

Post: Owner Occupied Condo. Mid 600s scores. 1099 contractor

Post: Owner Occupied Condo. Mid 600s scores. 1099 contractor

Post: Help!! My Wife Only Gave Me $10K

Post: How I lost 30k in one day by getting fooled by a con artist

Post: Large k-12 Charter School Being Developed Across Street