I've been trying to research raw land loans and from the (granted few) banks I've spoken to, they will not loan on raw land-they recommend getting a personal loan out at a ridiculous rate 10-15% interest (they didn't run my credit, it was just an estimate for a personal loan, but I have very good credit-around 760 I believe), to cover the land and then refinance to a construction loan once there is a well and septic as I understand...So was wondering what other options I had as far as financing and what others have used?  

We raise enough money to have safety nets and have money in our accounts to cover the unexpected.

Most buyers will first see your home as a picture on a computer screen, if it does not really pop, they will not bother seeing it in person!

Nothing wrong with your setup using jobs, it's little more details than I need.For data entry purposes, keep your class codes short, or you will have trouble selecting them in the input screens, which has room to show the first six characters.

We do have a grant of up to 3% of the purchase price, which helps with financing the down payment.Your income will still have to cover the monthly payment.  

I found a newspaper with a breaking front cover story- death of Kennedy

Hi BP Community, I've read some posts before covering investments from various angles but have not found something specific to my situation so I'm am looking for some thoughts and advice from the wise folks on BP.

How I do it is through selective screening and I have been 100% successful.By instituting certain screening standards it will naturally eliminate the vast majority of non target applicants.For example young couples with children will generally have lower credit scores. 

Don't forget to have his bank print a proof of funds (the account numbers and important things can be blocked or white-out but make sure it shows a balance that covers the purchase/offer price)Otherwise, that's pretty much it.

I'm thinking it's a good investment due to average rent being around $1200-1500 in this area for 2br apartments this unit has 4 its list is $550k while I can't find a single family under $320k I plan on occupying one unit so after removing one unit from the market I'm still at $3900 and with not rent if my own which will easily cover a mortgage on the property and still make some extra income and give me the ability to build up capital for future property's