God bless

Now its 2016; Praise God.

All are high dollar firms, I doubt you want to go there on a house deal.When you get to most RE types here, it's very possible (probable IMO) that they are not up on financing where a buyer in a RTO is credited with rents or in reducing a sale price which is credited from your payments, which is financing.To paint you a picture of this town, the World Headquarters of the Assemblies of God is here and we have the only Congressman elected in this century who only has a high school diploma and his other education was passing a RE broker's test.

I should have added that I am still very thankful to God for His help and the blessing of a quick profit.

So the fear of God was put into them about credit inquiries, because you couldn't directly tell them that their credit addiction was stupid or that would have upset their sensitive feely feels.

Originally posted by @Dan Mumm:I'm commission... so I guess I am out :/ If the deal is so god-damn screaming that you can't pass it up, just use hard money, show your preferred lender your 2016 tax returns before you file in case adjustments need to be made, and rate/term refi it at that point.

Put in $10k of your own money, partner with four others for a total of $50k, buy a duplex....then you can rent 1 side out, paying the payment on the $40k, the investor (like myself) would feel more comfortable you have some risk in the game, and you could create a note...with the following structure:Purchase price: $50kDown payment: $10kPartners: $40kThis would allow you to use your $40k to make money, the tenant pays your mortgage....or at least 90% of it...and you live well, and use your proceeds of your new money to pay off the $40k, which will build you tremendous credibility.In God's Service,Ty J.

Thank God I have a wife that saved me and she saved money for about 25 years.  

Going into debt in real estate is usually be a god thing.  

great work John .MAY GOD BLESS YOUR PATH OF SUCCESS ALWAYS.