They did deliver, but it was a costly lesson for me.

The key thing to remember is that lenders will compare debt to income along with credit score.

The key to overcoming fear is to feel good about yourself and think positively.

Let me point out a few keys to successful investing.Whenever ANYONE offers you a deal, get ALL THE DETAILS, who, what, when, where, and most important, HOW MUCH?

I've posted it before but it's worth repeating as others may want to use it too.The keys to making this successful are:Buying for CASHPicking the market segmentOffering attractive TERMSI've been doing this for over ten years, the first 6 in Houston, the last 4 in a small town west of Austin.

I have various pre construction investment financing programs and full turn key pre construction investment projects all over the US.We have programs for all levels of competent borrowers.I would be happy to talk to you about your projects and let you know how it looks.Joel Brattin www.shieldmortgage.net

Construction Items required in a Preliminary Package1.Project description (which includes number of units, proposed pricing of units, total costs, per plan costs, profits, proposed equity and proposed loan amount, any subordinated debt)2.Project cash flow3.Location map4.Cost breakdown 5.Market study - if available (an internal or third party study)6.Sequence list (including lot number, plan number, base price, proposed premiums) 7.Biography or resume of key management8.Authorization/Release for Business and Principal9.Borrower’s Certificate of Past Credit Relationships (attached)10.Banking references and two sub-contractor or supplier references (attached)11.List of all current projects (location, price range, size range, sales rate, JV partner, lender) (attached)12.Financial Statements for borrowing entity and guarantor(s) (attached)a)Current financial statements, indicate book value or market value basisb)Statements must accurately report all assets and all liabilities (include contingencies)c)Statements must be signed and datedd)Signed tax returns for past two years (please include all K1’s)13.Financial Statement Certification (attached)14.Tax Return Certification (attached)15.

Community being the key word.

The keys to mold are either removal, or encapsulate to prevent future growth and to keep it from getting into breatheable air.

This is mostly for SEO, search engine optimization.I would recommend this approach - to use your name, or maybe just initials, but to use good key words and city in it as well, so when your area is searched, your domain will be more likely to appear higher in the results.