When she was on the phone, she spoke very quickly and sounds very salesy. 

This sounds like way more than $100k.

My journey in real estate began several years ago, driven by a passion for helping individuals find their dream homes and making sound investment decisions.I specialize in residential properties, focusing on both buying and selling, as well as identifying lucrative investment opportunities.

I used to have one of my credit cards on file with a smaller tradeline company........until the owner got greedy with what she wanted to pay me for my card.......I would love to get my tradelines back out there and generate some side income....just looking for more tips on whereI’ve never heard of this before, and it sounds really unique!

@Brandon WongHello, I put together a spreadsheet model a while ago for calculating IRRs on rental investments, as an attempt to capture comparable returns by discounting future cash flows (in REI you also hear about cash-on-cash, which is typically at a point in time), and it sounded like you are having a related predicament.

Then your choices sound more foolish than unfair.

Sounds like the Buy here pay here car dealers that get a large down payment , wait for the customer to default , repo the car and sell it again . 

Your lender should be well aware of this....it sounds like they likely didn’t do the DU step  

Just read your suggestion and it sounds interesting.

It sounds like a cash-out refinance or a HELOC could work well for your situation.