A portion of it to reserve for refinancing and most of it to pay off credit cards and prior debt.

Increase deductibles: Raising your deductible can result in lower premiums, but make sure you're comfortable with the potential out-of-pocket expenses in the event of a claim.4.

(this can be 24 months of mortgage statements, auto bill, and/or credit card bills). 5.

When you say cash, are you referring to debit cards, or actual physical cash?

You get the card, put it in a drawer, and never use it, but you will build a credit history based on their performance record.Work hard and save money.

And if I was the tenant it would raise concern. 

Sometimes they also have a car payment or child support payments or major credit card debt. 

(Increased rates and loss of discounts on all policies, not just this one.)You’d be better off raising all your deductibles and using the savings to pay for your floor repair.

My father was born and raised in the Hudson Valley and is very active in the area with his brokerage and operating company, Pioneer Realty.

And in your market the lot costs are so low you need to pay cash for them and may still need more equity/cash.. in higher priced markets were the lot cost might be 40 to 50% of the total cost to build you can get a land advance but your still going to need equity/cash to do those as well.so thats your mission find a captial partner.. or put a syndication together to raise the money and partner to build out the homes.. really going to depend on what kind fo NET NET NET profit is on each home after land a build costs.