In my specific auto-loan contract it states that the true daily earnings method can be used.

@Justin Mayne i deal with this sort of thing often with folks buying houses for us to manage. 

Get a plan in place for your budget, pay of small debt like your CC's, get everything on auto pay, etc. to try and get your credit score into the mid-high 700's within the next few months.

Just picked up a duplex in 63111 which for you, would have been ideal.  

Is it an ideal layout, no it doesn't sound like it, but generally speaking renters are not as picky as buyers.  

Ideally, you're paying for the profit an asset is creating, not could create.

Using your personal credit card is not ideal as it will negatively effect your credit score and your DTI.

@Tim Sipowicz if you are planning on refinancing you wont have to worry about getting your reserves stuck in equity for long since 75% of your ARV appraisal will ideally be high enough to cover the down payment + rehab + closing costs + holding costs.   

I’m just wondering if you had the ideal 25k that is so hard to get that Scott Trench talks about in Set for Life, what would you do with it?

My husband and I opted to buy in the beach areas of Guanacaste, after visiting both regions, because we thought the remoteness and longer wet season in the southern zone would make a house harder to rent, and also shorten the ideal times of year for us to visit.