I was able to get the rood payment cut in half, so I did not have to pay the whole price for it.

So for credit, set a minimum but look at pattern of payment and Debt to income.   

We have been offsetting the water bill with an extra payment each month. 

Genuinely considering selling my 2015 Toyota Tacoma for the lump that would act as a down payment on my first purchase.God willing...when I grow up I will be like y'all!!

Due to the appraisal, instead of the standard 20% down on an investment property, I was able to only put down 10% and get a second loan for the additional 10% down payment.

If they have a PPP many will require at least 6 months of interest payments so if you payoff the loan on month 3, you will owe the remaining 3 months at closing.

I mean, perhaps they'll trust it more if some expert tells them (I'm afraid they are fixated in me changing glass/window)?

But, since you're looking to buy a primary residence in California, this might not fit your plans right now.Structured Installment Sale: This is a way to spread out your profit over several years by receiving the payment in installments.

Trust me, having someone supporting you every step of the way is critical.Reach out if you would like to learn more.Thank you,Arn

Pulled down-payment from.