You have become a much stronger person.

I live in California and your ROI is a lot stronger in this area compared to many vacation destinations across the country.

A legit one will include you Actually submitting tax returns, W-2’s, bank statements, etc. in addition to a credit report.Oh, and get one for the max you are approved for, regardless of how much you plan on borrowing, it shows you are a stronger candidate to buy.

Buyers routinely show cash for $1M when buying $100k properties.The higher the amount you qualify for, the Stronger of a buyer you are.

The market will be a little better for more competition and stronger offers. 

She still has her brokerage license, so I plan on getting a real estate agent license to reduce costs on closing deals in the future and to get a stronger background in real estate.My short term real estate goals are:- Get my real estate license in the next three months- Purchase my first investment in the next year. 

It may be closer to $425k purchase price, but your return is going to be much stronger and you have the 25% down required.

A refinance will allow you to know exactly how much money you'll be getting for the mortgage (traditional mortgage may have a lender decide the property you want to buy is not worth it and they will not give you as much as you had been preapproved for), and it gives you a much stronger offer in a sellers market.Being able to make an offer subject free can usually beat out any other offer with subjects and can also give you leverage in negotiations during a hot market.

Don’t be disheartened this sucks but it will pass and you’ll come out wiser and stronger .

@Anthony Gayden man, nothing to be embarrassed about, you got gutz to owe up to your mistake, dig out of the hole you put yourself into and became wiser and stronger after all said and done, great job bro!