I am using them for another property, though, that's a new purchase, and they are pretty easy to work with vis a vis Wells!

.- Chase Visa Southwest Rapid Rewards card--I use this for domestic travel--it comes with 25,000 points, I believe and I get 1 point/dollar for everything and bonuses for travel purchases.

Conventional for mixed use financing will require:The property must be a one-unit dwelling that the borrower occupies as a principal residence.The borrower must be both the owner and the operator of the business.The property must be primarily residential in natureA gift can be provided by:• a relative, defined as the borrower’s spouse, child, or other dependent, or by any otherindividual who is related to the borrower by blood, marriage, adoption, or legal guardianship;or• a fiancé, fiancée, or domestic partner.The donor may not be, or have any affiliation with, the builder, the developer, the real estateagent, or any other interested party to the transaction.Gifts must be evidenced by a letter signed by the donor, called a gift letter.

The credit part is difficult due to only being issued a $1500 limit on my Visa card less than a year ago, and being unable to get a store credit yard, such as a home depot card, due to a low credit score.

I plan on making my first purchase within 12-18 months, going multi family route with a FHA loan, with my fiancee and I occupying one of the units.

You ARE a disqualified party vis-à-vis your Parent-in-Law's qualified retirement account, and she cannot invest with you or any entity that you own 10% of.

My fiancée and I went to a local sheriff sale today strictly as spectators with an interest in bidding next time.

However my husband is in the process of renewing his H1B visa for another 3 years and his immigration status is currently expired.

visas seem too unpredictable to Me.

I'm not really sure on the Kiwi preference laws just as I suppose you aren't aware of US visa issues etc.