Any business credit I do take out will be under the LLC and ill make sure the lender doesn't report to the consumer reporting bureaus 

It can be slightly time consuming but I usually feel more comfortable with the numbers when I do it myself.

It is to create an easier path for a consumer that has been screwed over in some fashion.

As another poster pointed out, Dave Ramsey focuses on consumers and their use or misuse of credit.

Most of the GCs available actually cater to the folks building their own "forever home" kind of market.

Then you'll close your BP account and go into hiding, not wanting to admit your failures and will forever curse real estate investing as just an alternative to gambling.So people underwrite to decompressed exit caps because they want to be the guy in the first example. 

If they can't pay now eventually they won't be able to pay and they will take forever to get out.

hello, we are currently looking at a property we love that fits our needs for our future "forever" home. we are looking to get a land loan until we are ready for construction. figuring 3-5 years. has anyone done this that can provide some advice?

My hope is that the clientele we bring in won't completely trash the place but I realize that is just wishful thinking and that people, regardless of income/ what they are willing to pay, can behave like animals (I was in the auto industry before becoming an attorney and the things I saw walking trades will forever haunt me). 

When I had my flooding problems, I generally found that waiting around for mitigation companies, insurance companies, the city, etc to come and solve the problem was a waste of time (they usually took forever, the bureaucracy was a nightmare, and they often didn't provide very good solutions).When my property flooded, I called all my friends and got to work on it immediately.