Still seeing low to mid 7s on 1/23/2025 assuming decent credit

The Retainer Fee is credited towards whatever they buy from us in the 90 days, so in effect, costs them nothing.Note: we're not doing this to make money, but to avoid the time-wasters.

Most bankers can run live pricing to help you make a final decision without having to have your credit pulled several times or fill out a dozen applications and submit docs!

Im self employed, roughly make $130k gross anually, 1099 NEC , no debt at all, 740 credit score. 

While I do not have an official W-2 currently, I do have a steady income, great credit, and have money saved as well from working since I was 13 years old.I relate to Ian Kay in his journey but also am very determined to make my goals/dreams a reality this year by July 2025.

Take out an equity line of credit on the property that can be sides as the down payment for the primary residence.

Their debts would include not just car payments, student loans, and credit card payments but also things like child support paid.

Best places to look for a HELOC are often the small community banks and credit unions close to the property.  

Also helping was a relationship with that bank (deposit accounts) and good credit. 

Faced with the same problem I had to begin with, credit scores aren't great and don't have a qualifying cosigner for any type of traditional loan, mortgage or any type of equity refinance or HELOC, right now at this moment.