I see 3 days ago a charge for a whopping $390 was charged from BiggerPockets to my card.

The terms on the debt look good.

To do delayed financing or a cash out, you can go conventional where you use your debt to income / DTI ratio to finance or you can do a DSCR loan if an investment property.

Quote from @Alex Thomsen: Quote from @Jason Wray: Alex,There is never a need to put that much money in earnest its usually because the seller or the builder is in a bind and need to quickly settle their debts or pay their vendors.

So my other options were to use my good credit but of course all of the loans want to use my personal credit and impact my debt-to-income.

Eliminate debt, establish a budget, and save.

BK is a WILD CARD.  

Imputed expenses are important because they will be included as Operating Expenses when a lender appraiser does its appraisal, and also when the lender calculates its Debt Service Coverage Ratio.Regarding pest control, it's not just monthly roach spraying.

It's a great book about how he became debt-free and started investing in house hacks.

Vito - Have you checked to see if there is an I-card for the property on the HPD website?