Also your saying it’s always better to use my lines of credit and leverage properties instead of any cash?

Make sure they look into getting a Mortgage Credit Certificate if they use a VA loan.

@Phillip Lirette can also try credit unions: Riverland Federal, ASI Federal, and Campus Credit (the last two both do significant business with Small Businesses).

This is the northern part of the Tampa Bay area, which did not see as much damage as the areas more south.  

A good credit score helps a long way!

I grew up there, so I have some familiarity with certain neighborhoods.I don't have a lot of capital, but I have an extremely excellent financial history with a high credit score and very low DTI.Time to wrap up, don't want this post to get too long.I'm looking forward to interacting with all of you on the site, and here's hoping I can make this work with your help.Thanks,- Ray

Keep in mind if it goes the civil route you would have to have damages to win.

You nor the tenant may remember how that damage got there, but with pictures, your will know if it was there when he moved in.  

Credit is o.k.Many thanks!

I would ask him to give you a concession or to have him place money into an escrow account that you can draw on if there is documented tenant damages, this would allow him to be reimbursed and you to be protected.