I prefer a producer driven economy.I hope you guys keep commenting on this thread as I learn alot from your candid non curated opinions I am going to reply a lot but I have to drive nowthis feels like combination of 2001 and 2008the tech sector had reduced employment at least 15% , only 7 companies with highest FCF making money the rest is in live and dead situation ..:: most companies are going to be dead situation now and they are holding cash as the number of orders has been slowing down a lot ….. the number of layoff in trucking sector is worrying becoz they are the front in inflation indicator 

Assuming you have a copy of your documents, there is an easier way.I use Word to convert all our documents into individual PDF's and then use Adobe Acrobat Pro to combine them in one long fillable PDF.

Two or more individuals are combined for a group average score. 15 or less, and we don't rent to them. 16-20, and they pay a double deposit. 21 - 25, and they pay 1.5x deposit. 26-30 pays 1x deposit.

I informed him I might be renting the entire house out by next year.I'll be very honest, my credit is crap, I'm in debt, roughly $30k.

The combination can create a "live in it til I own it" type of atmosphere and closings run 120 days.

Seems like it's probably a fairly saturated market with slim margins, but considering it's a hobby already, might as well combine them? 

I use a combination of excel and a notebook. 

I am looking for some creative ideas or combination of loan types to put me in a position to buy land (maybe owner finance?)

The home loan was based on your combined borrowing power.

You want to make sure that it's paying itself down not just maintaining the HELOC.Some combination of that and cash should be pretty favorable for you!