Do you have consumer debt (car notes, credit cards, etc.)?

She was incredibly grateful for the help we provided and couldn’t believe her dream of moving to live with her daughter had finally come true.

Not a smooth ride, not a steady ride, but when you get it to work you have the type of environment investors dream about. 

@Adolphus Fletcher - If you're main goal is to build business credit there are different avenues to do so including: obtaining and unsecured line of credit for the business, applying for a business credit card, applying for business accounts such as Home Depot/Lowes, etc...

I'd attack the credit report :) 1) lower (pay down) whatever accounts have a high utilization percentage 2) contact each of 3 major consumer credit agencies and get a free report, then dispute every hard inquiry that is *NOT* associated with an open account 3) call the credit cards you already have established and ask for a credit line increase -- often can be done online and they do not verify income, hint hint. 

They use credit cards for emergencies (Yeah, right..) 

Do, you have any other higher interest debts for example a credit card?

It's not like a credit card that can keep climbing. 

I wouldn't dream of trying to buy land in Philadelphia! 

I'm in my dream home now and 10 out of 11 "lenders" told me it was impossible...Please try not to get discouraged and keep plugging away.