Toy might also try partnering with a land investor in your area and offer to pay for a mailer if they give you first pass on the accepted offers.

@Toye Ade we'd love to pick up something locally, but deals are difficult to find and prices are much higher here in Leander and Liberty Hill.

Rent is always paid on time, and while the family is messier than I like, they are not dirty (more laundry and toys etc everywhere in the house than dirty dishes piling up).

@Brad Toy Welcome to Denver! 

I did have a cat that when she was a kitten we hung a toy from the newel post of the stairs, it was hard to break her of the habit of clawing her way up that oak post!

2) Do you need storage (bikes, skis, climbing gear, construction equipment, other toys, etc).3) What type of parking is there?

@DuBois Othero Toy if you’re ready to buy now, then do so.

Just in case someone else needs this information, according to the lender I talked to, yes, land contracts affect loan to income ratios.

Sell some toys (liabilities you don’t need) and pay off that debt.Sounds like you didn’t have the money in the first place so that makes it a double bad decision.Put in the work.

This was before BP, all I had was a bunch of books, CD courses to listen to (yes, I know, but at least it was not tapes...) and a residential real estate agent who was very nice, but had no clue either.Turns out it worked; in 2014 I was out of the rate race and the rest is history.