The letter grades are subjective and really will change from person to person.

Even with the new retal income lenders are denying the heloc due to the tax balance despite providing copies of the agreement and letter from the department of revenue which says I am current on the agreement.

Balloon payment in 5 years.)

., interest-only payments, balloon payments, etc.) depend on your agreement

According to HUD guidelines, they should provide you a letter from a healthcare professional, licensed in your state, indicating the need for an ESA, and mentioning an ongoing relationship.  

As for the gift for the down payment, it's generally allowed, but it must be properly documented as a gift letter to the lender.

You have to figure out a few things like seller buy out strategy, Cash out stoppage on a refinance if not on title, balloon, buy out clause, time frame in whic he/she wants to be paid or removed form title.

I was served a certified letter by one of the six tenants at a student rental house stating my lease was void because of violating  Wis.

There are two distinctly different collection strategies you can pursue:1) Collections Company: there are several that ALL they do is pester the debtor for payment with calls, texts, emails, letters, etc.2) Collections Attorneys: they will get a money judgment for balance owed and then pursue garnishment as necessary - including garnishing any state tax refund (if the state allows).Both will take a percentage of what they collect.

Hard money loans involve interest-only payments with a balloon payment at the end.