Most "business" CC require a personal guarantee and still report to the Big 3, as the OP found out.

My CC availability dropped drastically from over $100k to $15k, yet my score was above 800 on all 3.

In the Property Disclosure -> Covenants, Fees and Assesment section, the seller marked YES to Q:Is the property subject to a recorded Declaration of Covenants, Conditions and Restrictions (CC & R"s) or other similar restrictions.No explanation notes were provided.

I own a less expensive property in a C/C- area, and "less expensive" list price often means more expensive maintenance.

Carloz Gil like others have said you’ll want to call and simply see if they will raise your limit.From there pay off all your old CC debt.Finally no one else has answered your other question as far as mortgage rates.

Look at doing a CC (Cross Collateralization) on a like property or do a simo Pur/Refi .

Car, cc, student loan.

All sorts of red flags came up from scam to not worth it to it just being another sales pitch.I had already given them my CC info and I knew if that payment went through the next day I’d never see that money again.

Some of my questions would be:1) How much would I need for CC and inspections in addition to the 5%?

But really its what ever makes you happy .. if your happy saving all your money and such.. then that's your right to do.if you want to spend every penny on your car and cloth's and live in an apartment and have 200.00 in your savings account with 50k in CC bills that's your right.. for me personally a good safety net of cash is what makes me happy along with some key real estate bought an Paid for and what I choose to be extravagant with others would probably think its nuts or not necessary..