I'm 53, married with 2 kids less than 17 years old with debt only from purchases on credit cards and my home.

Her credit isn't the greatest, but she's super sweet and a hard worker, so you are certain it will work out.

do not use a line of credit for a down payment. 

She uses QBO and is linked to my online banking and a couple of credit cards.

@Robin Simon I completed a refinance with my credit union at terms of 3/30/75 @6.85% I will have the renwal in 2026 and hoping rates come down a little by then.

They are asking for 28% capital call proportional to investment amount. primary purpose of capital call to survive high interest rates for next 1 year and hoping interest rates gets favorable by then.

Many note funds take on debt from larger lenders or lines of credit against their assets.

Banks, Credit Unions, direct lenders, portfolio..pretty much the full mix of of lenders any of us would use.They all said the same thing.

Improve your credit and financials so lenders are willing to take a chance on you.

I'm never in favor of government over stepping, but I can also see how desperate individuals can be taken advantage of during this tragedy.