A credit limit increase will not start the ageing process over, actually some creditors will even let you swap products, say BoA visa to BoA amex and keep your history.The main negative as already said is the inquiry.Be careful though..I have read reports in this economy of people seeking increases and getting decreases as the underwriter looks at their account.If you have significant available credit you may be much further ahead to let sleeping dogs lie for the next year or so.

But my real question lies here.

In addition to lying to Florida property owners about reducing taxes he has left our future at the mercy of the Federal Governmnet and now has the audacity to take away more of our Constitutional rights by introducing state statute 381.00315 (1)(b)4 that states a person can be forced to be examined, tested, vaccinated or quarrantined for communicable diseases.

All I want is a general number to shoot for, heck you can even make a number up I wont know your lying.

I also had a business before that which provided pharmaceutical technology to drug firms.

But then I wonder, maybe I am being lied too and they are trying to get me to raise my offer, but who knows. what state do you live in P NW?

You could ind a commercial lender who loans based on the property's income and expenses alone and not your personal finances, and that does not make you guarantee the loan yourself.Or you could find a credit partner to qualify for the commercial loan so you don't have to, and buy it in an LLC you're both a part of.In either case, you'd need to get a partner or private lender to come up with the down payment unless you have it lying around yourself.

There are so many out there who go about their business under false pretense and out right lie.

Again, read in the rental property forum about true expenses to avoid the rental property "big lie" -- Cash flow = Rent - PITI.

The very name HOMEOWNER ASSOCIATION is a lie and misleading.