I’ve got another quote through my auto insurance and they do quotes for replacement cost.

Where these numbers are found, there is a very high rate of rent actually being paid.We have over a dozen Fortune 500 companies just in Metro Detroit with huge Healthcare, Auto, and mortgage industry National footprints.

Yes, a person MUST have an asset to securitize the loan; a car, boat, truck, airplane but they prefer not to do planes they prefer autos and boats. 

With that, I have a lot to either pay off, consolidate, or a combination of the two.I'm going to break down debt amounts in total and by monthly payment with scenarios of what my DTI may be when paying off certain amounts of debt/accounts.Of course, we wanted to avoid private mortgage insurance, but the primary goal is to get debt paid off so I'm at a good DTI and so I can get my credit score higher for a lower interest rate.We are planning on moving to KC from the Twin Cities area in the early spring, so we're allocating about $3k to moving.So, we have about $40k in savings, including the money we made from the house sale.Income=$24/hr, $3840/moHere's how the debt breaks down.1) Credit card 1: 4021 bal, 183/mo2) Credit card 2: 8032 bal, 218/mo3) Credit card 3: 11084.30 bal, 133.49/mo4) Credit card 4: chase 401.60 bal, 5.04/mo6) Line of credit: 762.36 bal, 0/mo7) Insurance (renter's & auto) 232/mo8) Cell phone 33.14/mo9) Student loan 1: 96.55/mo10) Student loan 2: 126/mo11) Personal loan: 250/mo, about $9k balance13) Line of credit 2: 1900bal, 25.20/mo14) Credit card 5: 463.09 bal, 16/mo =1429.4215) Rent 1100/mo=$2418.42 debt payments per monthSo, $2418.42/$3840=.62979 DTI, or 63%.

Both LLC and Trusts can be set up in a way to make it difficult for an attorney to find you and in theory protect your personal assets home, auto, etc from the LLC assets.You could debate swapping #3 & #4 but either way you look at it they come after the first 2.

I am located in North San Diego County, California and employed full time as an auto technician.

Does the $5,000.00 get auto-deposited into my account with absolutely zero past/future effort from me?  

Seller disclosures state the unit is in compliance with CA mandated guidelines (smoke/CO2 detectors, seismic gas auto shutoff valve, water conserving fixtures, etc.) but the inspection report proves this is false.

10 years with auto renewal - their financials look great.

Do you have / you must have other types of debt that contributed to your 60% DTI = maybe student debt, auto loans, business loans, etc.?