So your thinking when they raise everyone's credit card limit, that people will spend LESS....

These include the following:Type of loanYour credit historyType of mortgageDebt-to-income (DTI) ratioLoan-to-value (LTV) ratioThe property typeEven if you have enough for the down payment, your lenders will require you to meet certain criteria before approving a home loan.

Hi Jasmine,A DSCR cash out refinance sounds like the best product for this.You can vest in an LLC and most DSCR lenders do not report on your personal credit report!

Set up a working line of credit.  

The reality is that the new generation of native-born Americans don't want to build houses, they all want cushy high-paid jobs in tech or finance etc. or to get rich quick off of crypto or being a youtuber or running internet businesses, etc. very few of them want to work in the trades. 

This is what I did for a cabin I built in Gatlinburg:  We took a few royalty-free photos of the area off of the internet, and submitted them to an art site online whereby they make a painting of the photo.  

I plan on doing some on my credit line and the rest on HELOC loan.

Any recommendations for a website that has worked well for running Credit and Background checks? 

For primary residences, taxes paid equal 4% of the fair market value of the home times the local millage rate plus any other local district taxes assessed, such as for fire or police, but with a school district tax credit.

My credit is still very strong and I would refinance and keep it within an LLC.Would appreciate any insight or help as it has been a very stressful time and I am looking to move quick on refinancing.