@William BohanVariety:  BDC's, MLP's, various closed end funds holding credit/debt instruments and/or MLP's. 

I am unconvinced that the new administration will meaningfully address the deficit and US credit will continue to erode gradually, contributing to rising rates.

Thank you very muchJaša This is how traditional banks, private credit funds and anyone in the lending space works.The challenge you will have is finding someone to give you money at X%. 

A lender credit was disclosed on the Lock LE instead of being shown as the Seller credit.

The obvious answer here is to somehow get some income and start paying down the credit card debt. 

In my shoes, it would be hard to credit a client for a decision that could have saved you $10k+ in damages, especially when it wasn't something that went to our firm (like management fees or an in-house maintenance contractor).

I use the 3x rent for my first barometer, steady employment, good credit, and of course 3 years of rental history.

But, they have ZERO liability for the performance of that tenant.Second, 97%+ have no idea on how to screen a tenant, other than income = 3x rent and a credit score.

This is because real estate is capital intensive and lack the cash to buy larger assets or credit worthiness.  

Purchase price: $145,000 I am the managing and credit partner on this investment.