Scammers may even go as far as creating fake W-2s or other tax documents or advertise fake tax credits to lure in taxpayers to share their sensitive information.Text, Mail and Phone Schemes: Scammers are targeting tax professionals and taxpayers through phone calls, text messages, and even fake AI generated IRS letters.

Maybe you want to try a local credit union and title company to save on fees?

Yes Lisa you can refinance out depending on what your situation is:- Full Doc conventional loans will require Income, assets/value of the property, and credit to qualify to refinance out- DSCR loans only require market rental income and credit + enough assets for monthly payment reserves 3-6 months (no personal income or other liabilities are factored in, just the property in question)- Refinancing into another private loan - this is only a bandaid temporarily to provide aide but will not be a permanent solution since most private loans term up or are due in 6-12 months after funding @Matthew Kwan@Carlos Valencia

I do not like more entities because it means more bank account numbers, credit cards, debit cards, check books, etcBest of luck

**Credit Unions or Local Banks**: Smaller financial institutions like credit unions or regional banks might be more open to taking a second position, especially if you have a good relationship with them.3.

I would pay off everything else first; credit cards, car loan, personal loan, college loans. 

I would just make sure to reach out to some local lenders shortly after so all the hard pulls get grouped together and don't impact your credit score as much. 

You could also possibly partner with a relative who knows / trusts you to make up for any shortcomings you may have.After that, presuming you have good credit, you can go to a mortgage broker and they will evaluate your credit and financial "worthiness" against their requirements for their lenders to lend to you.  

I'm curious about anyone having challenges with getting loans or additional credit without a "home". 

Hello all, I have a prospective tenant for a rent by room strategy, we're in initial stages (he hasn't officially filled out the application to verify his credit score) and he is letting me know he filed bankruptcy in 2020, but his credit score should be above 620.