I am seeingPP($1,500,000) DP($375,000) FA($1,250,000) GSI($394,800) NOI($265,080) GRM(3.80) DSCR(4.15) C/C(69.27%) CR(17.67%)but expenses are incomplete (30% gsi would be 118440 without mgmt fee)No city license fee, pest control, maint, yard care shownIncreasing expenses, reduces NOI, GRM, C/CI assumed a 4% note 20yr 20% downThe maintenance guy becomes an employee and you're into State Labor regs, withholding, SSIbtw: is this Clarksville {TN, KY}? 

I've heard in the past and from other articles of people seeing similar numbers for their 203k CC so I knew it was going to be high but dear lord, that is alot to bring to the table for an FHA loan.

The answer is yes you can if the appraisal allows for it (value has to come in) and if the seller agrees to provide the closing cost credit towards your closing costs then yes you in effect will be financing your cc and pp's if your offer price is higher in the exact proportion to the asking price.  

hmm; Excel says: PP of 325,000 less down payment of 81,250 has a loan amount of 243,750 common expenses missing: water, trash, yard care, management expenseRents(GSI) less 30% expense assumption (I don't go by that 50% guess), gives NOI of 33,138, I get a cash/cash of 32.27%, cap rate of 10.20% and a cash flow of $1,713/mousing a 50% guess, NOI becomes 23,670 and c/c would be 20.62%, cap rate of 7.28% and a cash flow of $924/moThe commercial loan will be an ARM and those are difficult to project over the life of the loan, so I project as a fixed loan 6.5% over 20 yrs: payment would be $1,047/mo.I also ignored the fixed, one time closing costs, as they are not part of the cash/cash evaluation.

@Cc MayerWelcome to Bigger Pockets.

I also would put CC debt and student loan debt into two separate categories.

Use it as your billing for your cc's, bank, etc.

Unsecured LOC  a True one not a CC scam thingee.. in the mid 6 figures range.7. mid 7 figures construction loans currently  ( try getting a construction loan from Chase)8.

No CC.  

They are more than average responsible CC users.