If you're applying for a Conventional/FHA/VA/ or USDA loan, then they will do a "global cash flow" where they take into account your PITI (Principal + Interest + Taxes + Insurance (hazard and flood) on all properties (second mortgages included), HOA payments, car payments, student loan payments, credit card payments, and installment loan payments in the numerator and your gross income in the denominator.

Or for taking credit cards, or for doing title research/when to use a title company etc.Hope you find the land you're looking for!

We also found that it was difficult to find renters without also offering transportation.

Use a credit card!

You probably won't get caught are famous last words for many people with red cards on their properties before listing it, closing it to flip and sell, or to turn into rentals.

@Collin H.With credit card defaults and auto defaults on the rise as well as overall debt - people will start tightening the belts and first thing they will get rid of is spending on travel and vacations etc So reading this I am not surprised - how has 2024 been compared overall to last year ?

There are also a ton of people pulling the ESA card, which can make it difficult. 

Thanks everyone and I appreciate all the angles but ultimately her throwing out the disability card was utter bs. 

Thats the first step... step 2 is the hardest which is to keep in touch with everyone.This is not to be mistaken with the act of printing dozens of business cards and handing them out to everyone you shake hands with.

@Juan VargasCredit card stacking is an easy to to ruin your credit and go into massive consumer debt at an extremely high interest rate.