A tourist visa will get you 180 days before you need to renew it.

If you are living at home, with no other financial responsibilities, the court won't be able to see how you can't repay it, as of now.I don't think you can declare based upon what might happen, or what you fear will happen.When I did it, I was living with my fiancée and I had to break down every single expense and declare what percentage of that expense I was responsible for.  

I proposed to my GF (now my fiancee) at the exclusive lagoon that only volunteers have access to.

@Bonnie Rhodes I was 24 and my fiancée was 20!

@Mark Ferguson  One thing to think about vis a vi the bay area prices.1. lots of different nationalities that have much more purchasing power than the average market in the US... with money coming from off shore.

As for the question of how to benefit the business and the customer both ... the business is the customer and visa versa ... more like a co-op.

Strategies that work for one type of market will not work well in the other type, and visa versa.

It is not a credit line; you use whatever "regular" credit card you have (Visa, MC, Discover, etc.)I am not affiliated with Home Depot.

Believe me I have been on both sides of this many many times.. and have built a niche for myself in these smaller loans... but I have to do 10 to 20 a month to make any kind of money vis a vi the risk.plus HML generally don't give 100% of costs you need some cash into it.. so that's why they wanted substitute collateral..

Both are insulated by buying at a discount so they can sell at a profit and not overleveraging so they can afford to hold through the dips if need be, and still make money if a dip doesn't occur ... plan A and plan B (or visa versa).