Transitioning to Business Credit CardsOnce your business credit profile is established, apply for business credit cards.

I seem to remember that I didn't even have a business card until then either.You are VERY late to the game to be making these decisions. 

If all that is true try @Dave Foster.

There must be an egress in all sleeping areas and make sure the listing states it's a sleeping loft that is not a true bedroom.

The challenge is knowing if the listing agent actually tells your offer to the seller or not.For example, if a distressed property is $650k and you want to offer $620k, the listing agent says the lowest the seller may accept is $645k, but is that actually true or made up because the listing agent wants their commission?

Also, many agents relist their properties there and the same property may have more than one agent and different prices.Full disclosure: I never bought a property from a site or from an agent and I am pretty new at this (with very little real world experience).Regards, RuiSo true Rui!

Whether your statements are true or false, whether we have evidence to support or deny a claim, it will never be something blasted on the internet.

I’ve gone back and forth on doing grocery cards, gas cards, or restaurant cards and feel the discount just works better for me.

Like I said, the calculator is telling me it's possible on some that I see on market now but I'll have to see if that is true in reality when I run the numbers with a lender. 

We got a small drop last month but nothing worth bragging about.I was thinking of doing a refi with dropping rates but doesnt seem like thats in cards currently...Thank you The bond market happened.