You will need to provide an explanation of the circumstances surrounding the BK every time you apply for credit, apply for a job, apply for a bank account, etc.Bottom line is if you’re working day labor type jobs for small companies and live on a cash basis it might not affect anything.  

We do this for a living and our reputation depends on you successfully securing a loan, on time, and as promised. 

I called and emailed Nomad daily and could not reach a live person, even in an emergency.

Where do you live?

Not sure if this will go against the culture here but if I read correctly and you are considering tying up your primary residence to an investment property please reconsider leveraging the home your family lives in. 

I live in Lanham, I am new to Real Estate Investing and looking to connect with local investor.

I have about 8K to start investing, which I know is not a lot, but with 3 kids living in SoCal, we are already pinching pennies. 

That was short lived!

If I get the situation correctly, youre wanting to exit retirement and pull cash out of your home to use to flip a property in FL to generate income to live off of.

The buyers and renters in that area, due to the low income, won't have any other options in terms of where they can live.