I would say there's a balance, if you are looking for new contractors and don't have much experience with construction then the better presentation should lead to a better contractor generally speaking.

I had brought by Quickbooks balance sheet and income statement. 

I have spoken with her about letting an IRA custodian switch her retirement plan into a SDIRA which I would then borrow from the SDIRA plan for my real estate flips and pay back the SDIRA the principal balance borrowed and 12% simple interest every time that I flip a house to an end buyer.

I ask because...If they did put $30K down, are you certain about their current loan balance?

He's currently trying to qualify for a program to reduce the principal balance owned.

I know I could get a loan and pay off my current balance, pick up a duplex and a single family home for probably a little more then I pay now.

Then, monthly use excel to create a mini balance sheet or PNL spreadsheet.

You should not pay fees, you do it have to carry the balance.c) Call an ask for increases on your limits to help your utilization rates in the event you keep a balance.

The limit for taking such a loan from your 401k (if your plan allows for participant loans) is 50% of the 401k balance or $50,000, whichever is less.

No use in heating water for an unused house. 6) NO Balance budgeting.