am working with them now and had the first policy (with Spinnaker) cancelled for nonpayment/late payment so we rewrote another policy (with Millenial) and having the same payment problem again but at least they are communicating that cancellation is coming. they want me to pay by credit card over the phone so the payment wont be late and cancelled again. but when i go to mycoverageinfo.com to check on status it shows its been paid.

Clearly the note is more than just evidence of a debt, right?

So your debt is currently $3000 per month and your property earns you $1000 per month? 

I also have a lot of connections that offer debt funds. 

I'm looking for Propstream, does it have different post cards, like deal machine???

However, I noticed that as a Costco member, they also offer HVAC services, including the same product line (Lennox), along with a 10% Costco Shop Card if you go through them.Has anyone here used Costco for their HVAC needs?

Is there a way I can "co-sign" with one of my parent's credit cards and be on their credit history in order to boost my credit score? 

I agree with @Shawn Ackerman I would start applying the cash flow to debt pay down.!

You should never use a debit card or pay for medical expenses from your HSA, ever!

Lenders usually determine whether properties are lendable based on the debt service coverage ratio.