Have you already decided to surrender the annuity for its cash value and intend to self-direct?  

But, when we get into the all-too-frequent world where community members directly or indirectly insult people or parties, we're over the line.

Unfortunately, in April of 2023 my aging parents' health went in a rough direction (father Alzheimer's/dementia, mom immobility) so I had to "move" back to Dallas, to care for them and also help them with their own bills.  

I think that letter was worth sending 💪Have you ever thought about using direct mail marketing?

If anyone has any advice based on their own experiences or can point me in the right direction, it would be greatly appreciated!

*Maybe apply to some lenders, and use the money on the credit cards to fund the projects?

I can connect you with them and you can have a conversation with them directly if you'd like.

@Trevor Toft  Your expenses seem way too high for a townhome unless it has a lot of deferred maintenance, I don't think it will be that high, it is great to be conservative, but the 50% rule doesn't apply to all rentals, especially in HCOL areas like Denver. 

However, you should explore whether any exceptions apply to your case, such as unforeseen circumstances.Unforeseen circumstances, as defined by the IRS, might include changes in employment, health issues, or other unforeseen events.

If you are going through Guaranteed Rate for your prequalification feel free to reach out directly if something doesn't sound right.