The key is to reestablish acceptable credit, without doing that your bankruptcy can be 5 years ago and you still won't qualify. 2 years is the minimum, it is not an automatic ticket to qualification.Any lender looks to the reason for the BK, if it was due to circumstances beyond your control (medical bills, sometimes a divorce) the 2 year mark may be used.If the BK was due to your financial mismanagement, you just bought stuff you couldn't pay for, you're looking at 3 yearsA foreclosure is the kiss of death for 3 years not 2.

My PM received many inquiries this April and into May.We do have a Medical college in Erie but there is no real special circumstances other than winter and school year that effects peoples desire to move or not.

Others have given some good advice ... prepare for expensive medical bills and for life without your husband.

I don't understand all the medical issues honestly, I have an idea of what it is, but do not know his functionality overall.

Once you see people who have emergencies, medical concerns, job losses, or divorces you soon realize that equity is not so safe after all because this stuff happens all the time.

Been having medical issues, allergies ugh, and Bronchial Asthma so I need to get my meds, just waiting on the Doctors office to fax the refills to the Pharmacy so I can breath again lol.

Joe Gore Well, Joe, you and *I* both know you never made that call.Even though I don't live in TX, I am doing all I can to make sure he is the next governor instead of Abortion Barbie.

Medical and credit cards aren't as worrisome as utilities and former landlords.

And, if you have a business or economic reason, such as loss of job, loss of income, medical emergency, etc., to explain why you move in early you will still be O.K. as long as you can demonstrate that you did have the intent to hold for rental or investment and then "something" happened and you had to move in.

I don't like the word "fantasy" as that implies a certain amount of implausibility - so I'll call it a long-term goal:Develop/Renovate a "mixed" Senior/Caretaker facility where Family/Friends can Move-In with special needs seniors who would otherwise be living out their final years in specialized care facilities.This facility would provide all the equipment and specialized medical care but without the isolation and callousness of traditional long-term care facilities.