@Tierra CarpenterTo leverage your $20k, improve your credit score and explore creative ways to leverage it.

More of an "If... then" vs.... here you go.Instead of solving the end game, improve process. 

I have been listening to biggerpockets podcast and youtube videos to really try to grasps the general idea of real estate.

If you told him you have been playing pickup games for the past year and need help improving your jump shot, now he has evidence you're motivated and a specific goal he can quickly help you work towards.

Thoughts on how you would improve the situation?

- Consider low-cost cosmetic upgrades that could improve rentability or sale value.

Don't let fear stop you from making a decision that can improve your life.

If you can qualify for conventional financing, a HomeStyle Renovation loan by Fannie Mae will let you do property improvements and not need to do a refinance once completed! 

UDFI typically arises when debt is used to acquire or improve income-producing property, and the proportion of income related to the debt can be subject to UBIT.

We did a series of youtube videos on how to dial in that credibility on your site here.