Obtaining my Real Estate Salesperson license was driven by a desire to address the critical issue of affordable housing.

Naturally if you have more mortgages in your name that will affect your DTI (debt to income ratio) and ability to obtain more loans/mortgages in the future.

Ended up pressing charges for breaking/entering, obtaining property under false pretense, fraud, and criminal trespass.

To obtain a loan with little credit, consider DSCR loans, FHA loans, co-signers, and credit unions.

In this arrangement, instead of obtaining a traditional mortgage from a bank, you negotiate directly with the seller to finance the purchase of their property.

Regardless, it is essential to promptly follow up – consider obtaining a second opinion from another HVAC company and focus on completing any necessary repairs.

And there’s legal risk, the risk that either through insufficient documentation, or adverse court decisions, the creditors ability to obtain ownership of the secured collateral in event of default is compromised.  

If the goal is psychological because you have too much debt to sleep well at night then sell some properties and use the proceeds to pay off the debt on your remaining properties; or better still obtain the services of either a psychologist who can get you over your uneasiness or seek out a financial advisor who can convince you of the difference  between consumer debt “ bad” and investment/business debt “good”. 

Now, if you have used your entitlement to obtain a VA loan and it is a small amount, I believe you can obtain another loan if you have sufficient entitlements remianing and the original loan was assumed.

I know how to set up an LLC in NC and obtain an EIN so I don't need a full service.