A couple of days passed and Ronie noticed a new car parked at the house.

The work quality was excellent and he did some extra work free of charge (added a garage door to make it a 3 car garage instead of 2). 

We live in the top unit which is 4bd 2bth, nice finishes, all wood floors, nice deck, small backyard, two car garage.

We'll cut to the chase, here's our dirt.The Facts: Ages 51/44, Married, w/10 yr. old childOne steady income 45KOne low income & fluctuating (self employed only 2 years but growing slowly)Living/ renting in NJ (Very expensive market, 2 family units sell over 500K)Fair amount of debt 37K (Car loan, 2 CC, Medical bills)Just getting by each monthCombined 401K's =  150KMy 401 (100K) can be transferred with no penalty to a self directed IRA (I had opened up last year in hopes of using some cash to invest in RE) We are determined to get into REI however we're probably going to need some creative ways to do it with our current situation.

Im trying to work hard to get the credit the best i can like leasing a car and use a credit card.

Interior is being done in the gray palette as that's what hot here.Property isn't a total toad. 2 acres, 3 car garage with workshop and a full MIL apartment, which you can see on the far left of the photo.

Treat them like car loans and pay them off, seller financed first.

CC, lease cars, few others.

I understand your point about liability policies but what happens if you personally get in a car accident and kill a high income individual like a young brain surgeon or lawyer?

Good question Carl, I am guessing it is just state.