It's referred to as having a non occupate co borrower and it will limit your options as far as what you can do.Now you say your credit score is around 700.

Best thing to do is to always remain professional and try not to lose your temper - some of these people will push you to the limit.

I've used the local, small town paper instead of the nearby, big city paper with limited success.

Anyone know of a creative way to get around the 80% minimum equity refinance rule in Texas for a primary residence. I would like access to the large sum of money I have in my house and do not want to move and I am onl...

This would help to limit your emotions because your money is on the line.

This strategy would only exclude any capital gain up to the $250/$500K limitation and any depreciation recapture would be recognized. 1031 Exchange into Rental Property and then to Primary ResidenceAn investor owns rental property that he/she sells and 1031 exchanges into other rental property and after renting the newly acquired rental property for 12 to 18 months (in order to demonstate intent to hold for investment) converts it to his/her primary residence by moving into it and lives in it for 24 months (minimum, in order to satisfy the 121 exclusion requirements of living in it as a primary residence for 24 months out of the last 60 months).

Isn't there a gift tax issue with this since it's over the 11k a year limit a person can recieve?

There is a name for that concept: Limited Partnership.The limited partners just put up money.

Don't most credit cards give credit limits related to your credit score.

Try to find subleasing.There are people who want to rent for a limited time.Check out craigslist.org rental section.sam12Good luck