The AI we have today is terrible.

They can't assume that they will be getting a credit at closing.

Get the exact figure from your lender.5.5% is rare unless you have an 850 credit score, perfect DTI, and abundant income.

Inspection came back and I estimate $15k repairs (which includes $5k for two trees to be removed hanging over the roof, and $5k for a back deck that is wood leading to concrete stairs - terrible construction).

Many cities even require a credit check or a back ground check.

Our credit is pretty strong, we only have about 7k cash on hand, and we screwed ourselves into a good bit of debt.

Hi Everyone,I’m looking into applying for a fixed rate HELOC and was wondering if anyone has any recommendation on which bank or credit union I should focus on?

Then I guess he will have to decide if he’d like to keep his credit score or have a judgment against him.

They agreed to try to find something to buy but my father doesnt have an amazing credit score like me or my brother, plus he is unemployed so he wont get a mortgage.I told my brother that he has to be the one getting the mortgage because I have plan of starting my real estate investing career in January (buying a duplex) so I cant have a mortagage like that on my name because my debt to income ratio will be high.

It's called Debt Service Credit Ratio.