It may prevent them from qualifying for another rental, a home loan, car loan, credit card, etc.

If growing your SDIRA is the main game, think about mixing it up with other allowed investments in the SDIRA world, like stocks or bonds – it's like having a diverse set of cards in your deck.

The problem in this case is the seller's primary reason for selling is he wants cash to pay off credit card debt.

And almost unanimously experts agree a major recession is not in the cards for the near future.At the end of the day, you can always wait to see if prices drop or the US economy has a downturn but you could be waiting a long time.

My understanding is that they're just applying for business credit cards for you, and charging you $3500 to do so. 

Whether it’s TV’s a whole bunch of magazines, board games, decks of cards, Frommer's books about the area, whatever, have something for your guests to do while they’re stuck indoors on a rainy day. 6 - Rules about NOISE.

You may have to go FHA or put 20% down though.Obviously, get 2-4 USA credit cards and use them at least once every 3 months to start building credit here.You can also try to piggyback on someone else's credit history, by having them add you to their credit account.

I have a direct mailer company who can help you design and mail post cards for $0.51 a card.

In most cases, this is enough information to figure out if you have a deal that is going to benefit the client and make sense for them (this is assuming you can get an estimated value of the home you'll be refinancing through other means, otherwise, you might also ask them for their estimate as to what their home is worth).If you're past this point of figuring out whether it's a deal that makes sense for them and you haven't run automated underwriting to determine what documentation is being asked for, here's a pretty standard list:- 2023/2022 W2s (any/all jobs worked during these years, regardless of how long they were on the job)- Most recent mortgage statement for the loan(s) you'll be paying off- Copy of their homeowner's insurance binder or contact information for their homeowner's insurance agent so that you can request this on their behalf- Most recent pay stubs covering 30 days (typically this is the last two pay stubs)- If the property is in a homeowner's association, you'll want a recent HOA statement showing how much the borrower pays for their HOA dues- Copy of the borrower's driver's license or ID card - front and back- If your deal requires an appraisal, you may want to get payment information from the client now. 

A few questions that may help everyone in the forum offer more targeted advice:What is the 67k "non-mortgage debt" is it from a credit card or student loans, what is the interest?