I credit the platform's amazing hard work figuring out the new requirements and walking us users through the process;  a website, EIN/LLC, registering for 2 levels of sender ligitamit sender;   something called shake/stir (???)

Quote from @Haiden Welch: Quote from @Ray Hage: I give you a lot of credit for starting young and making those mistakes early but most importantly learning a lot!

The good thing about a collection agency is that it can report the judgment to all three credit reporting agencies.

A high-quality tenant typically has a stable income, good credit history, and positive references from previous landlords.

Poor financing terms can be beaten, of course we all want the lowest possible rate, max leverage, and low closing costs. 

If you are trying to get others to pay your down payment and you have nothing in the deal, there are probably no terms that anyone would agree to unless they were getting credit card type returns. 

Certainly wouldn't have much issue showing credit card statements of local restaurant/grocery/gas purchases in that area through the year, but that seems a bit asinine to track or even think they'd request. 

Both options are Credit Unions - no points, no origination fee1.

The borrower was overqualified and based on compensating factors we presented a local credit union financed it with 25% down in 30 days.

Kevin, I can help steer you into the right path if you can share your credit score and your capital situation.Hard to advise someone without knowing what tools they have to start with, and sometimes getting ready for deal 1 is what is needed to work on.Welcome!