Yes, the credit utilization ratio does impact your scores (see below) but, if you're out of debt & not using your credit cards, you may not see a hit to your scores.Amounts Owed (30%): Represents your credit utilization or how much debt you owe compared to your credit limits.

It would dually represent buyers and sellers and charge a total commission of no more than 0.6%.

If the missing spouse has since passed away his or her legal representative (PR, Executor, etc.) could sign. 

@Patrick Shawn Faherty there's certainly enough feedback on this forum that anyone should be able to make an informed decision about MI, When evaluating any turn key companies, there are the things one should look for.In general, the ones to avoid are the ones that: Don't allow financing or a finance contingency (it can be a good indication they are selling above market value)Don't allow for your own independent property inspectionAre not realistic with their pro forma's (i.e. they don't include vacancy or maintenance projections or use unrealistically low vacancy factors)Require you to pay for any renovation upfrontSell only in cheap. low end neighborhoodsDon't accurately represent the neighborhood/property classificationDon't have consistent rehab standards for all propertiesDon't provide a scope of work for the propertyCan't provide references of repeat investors Require you to close before a tenant is in place

In any case, it is of course totally improper and most likely in violation of the spirit of the regulation for the sponsor or his representative to suggest that the investor be untruthful in revealing his accredited status. 

Usually only commercial properties with established operational expenses histories are evaluated by cap rates and then those cap rates can also be applied to buildings in certain areas representing higher or lower risk areas.

If nothing else I'd like his supervisor to hear the audio and understand how his agent is conducting himself in representing the city.

Jim,I'm not sure you how you would interpret my comment to me I represent ODC as a gold standard. 

This will usually lead you directly to low barrier stagnant markets where the cash flow represented in your spreadsheet does not transfer to reality and the most of the equity is "paper equity" because you will never see it materialize yet many look at completing the BRRRR as the ultimate success.I recognize I am using some assumptions but let's assume you have $100k to invest and purchase and renovate a home in MARKET A for $400K but once renovated the home is worth $500K.

TIAHi Anna,As a buyers representative, developer, and investor in Tulum, I wanted to share some insights to help guide your decision.