If you do, keep the balance low and take advantage of the zero interest balance transfer option on credit cards.

It seems like if I wanted to buy direct from the HOA, I could play the scare tactic card.

Hello, before I give my story, my wife and I are looking for a 1-2 bedroom apartment we have a monthly budget of 1750, we both have poor credit, my wife Ariana, Graduated from Brown University last year, she will be 48 in May this year and is currently an Operations Manager II at kent hospital through Sodexo, she makes 75k a year, and approximately 4500 after taxes a month, she has no criminal history, as to our poor credit, we had to choose between paying our rent and electricity during covid, or pay our credit cards, we have never missed a rent payment, and have lived in the same residence for the last 4 years with no issues, we are looking for an apartment because our landlord wants to renovate his building. with that said...I am writing to proactively disclose information that may appear on a background check.In 2009, I was involved in an incident that resulted in a felony charge.

Then do a cash out refinance to pay the cards back.

Next you should at this juncture be focusing on big picture things like paying off any high-interest debt, credit cards, student loans, saving for a down payment eventual home purchase and focus on your family. 

Bonus #2: if you send cards or do cold calling and use VA, have a script for people who are not looking to sell, but to buy more - those are also cash buyers often.

I would let them out, especially when they pull the "children" card, as there is no further rational conversation to be had.Certainly, some folks are more sensitive than others to "normal" molds, but overall it is way overblown.

It may take a person average $0.5 material cost (card or paper and envelope, ink and postage) and plus whatever cost they view their labor cost is to send one mail out.

I got audited for my plane and got through it OK  with my log book and I always either flew IFR or with flight following so my destinations are on flight aware tagged to my N  number then just show the deals we bought or the loans I made in the locations I flew to or the bizz associates that I met with.. where i got hammered was on commercial flights.. credit card statements and receipts did not work or were not good enough I need to save the actual boarding pass. 

GROSS Income x 45% >= Rent + Monthly Debt PaymentsSometimes people have enough income for rent, BUT they have outsized monthly debts (child support, large car payments, credit cards, etc).