i agree with lonnie but let me build on that. first, your credit report is based largely upon your pay history. paying early does nothing to boost your score ,but paying late will reduce your score quickly. so, pay on time. next, CARRY A BALANCE. it will actually lower your credit score if you do not use a decent portion of your avaliable credit. also, maxing out your credit cards will also hurt your credit, it is optimal to carry between 30-50% balance of your avalible limit on your cards. do not worry about intrest as long as what you are purchasing is ultimately going to gain you more in value that the cost of the intrest. i.e. why would you worry about a 25% intrest rate if you are going to make 50% on the house you are investing in?

We may even give some lame guarantees to reduce their potential loss (out of our discount).   

If you have a mortgage balance of 50k on that house, your equity is reduced to 50% (50k)So when you hear someone say "I can get a home equity loan for 80% LTV (loan to value) that means a bank is willing to let them borrow, in total, up to 80% of the value of the house.

What I would do...1) Sellout.2) Purchase a triplex using the lowest amount down possible to a) secure a place to live for yourself, hopefully eliminating or drastically reducing your living expenses and b) conserve your remaining capital3) Invest in cash flow opportunities out of city/out of state.  

I'll admit my risk tolerance may be higher than others, but I am looking to grow my portfolio of properties as quickly as possible while interest rates are still low and deals are still plentiful.As Hattie mentioned, a HELOC may be an option to tap into the additional equity and reduce/avoid closing costs.

With crowd funding, each investor is small and therefore this reduces the over the should factor you might get with a larger investor or HML.On the downside to crowd funding, it is a lot of work to do it right. 

Hello Bigger Pockets Real Estate I need advice how to discharge property from (AEP)And if the price of charge from HPD is very high can I somehow reduce her?

I think I have it all figured out, as I have found that she reduced my usable sq/ft by 500 to account for my common areas, but did not do this for the comps, thereby producing an inaccurate price per sq/ft.

Well, a few comments, not a book this time.Risks can come in various masks, borrower takes bankruptcy, the sale was flawed or originated improperly which can be missed, court tosses it out or does a cram down, reducing principal and the court may bar any deficiency.

The buyer should send over an addendum as well as the appraisal to the seller and ask them to reduce the price to $309k