If I were in your shoes I'd look for a private money lender or work on getting that credit score up.

And you should start putting in the shoe leather to start walking that area.

In the end, this discussion has certainly highlighted a need, on our end, to reconsider how we showcase our data and performance on the site.  

I really liked Shoe Dog:the Phil Knight Story the founder of Nike.  

How the heck are you suppose to pre-walk my property for your clients wearing those shoes?

That's apples to shoes, not even oranges.If one does stocks, in 401k and after tax, AND does REI, then one doesn't have to worry at retirement which one is higher.

Flippers will have to put their houses in showcase condition to stand out in a pickier market.

I got a better finish out of the new, of course, but I'd say, if I were in your shoes, why not just prime, texture, and repaint the walls to your liking?  

Standard onboard horseplay evolved dumping a bucket of powder over someone's head, or into their clothes locker, filling their shoes with it, etc.The man later worked as a fireman for a large oil company - asbestos was handled the same way, you could not see across a daylight boiler room for the asbestos dust in the air, and on the night shifts he and his peers would take turns sleeping while buried in the dry asbestos in the back parts of the asbestos storage bins - with just their faces exposed.

I think you can definately grow your business but I would keep your teaching position for a while if I were in your shoes.