I had to borrow the money for the seminar from my boss.

With you not being here, I'd say it's the same answer as above, unless you have cash assets here assigned or it might be possible with hard money lenders working off the loan to value alone and don't care if the borrower has income or credit here.

I would think that you borrow against "real" assetts as long as you have proof and use them as collateral.

Borrow from my own 401k retirement account and pay down the principle.

Or if you want to do fix-n-flips, you can borrow money from private lenders or hard money lenders.

Another thing to note is in my religion they don't like interest so what ever money I borrow I would have to make them some sort of a partner.Ask $20K ( The property won't just be 20K I will also be investing some)I will be the owner of the property.

The issue came in though because the house had apparently been abandoned by the former owners when the foreclosure had gone through (and on a side note, I found out they owned several gas stations and were apparently doing fine financially but they'd somehow borrowed basically TWICE the current value against that house and figured it was worth the credit hit to just walk away from it!)

Worst comes to worst you can borrow $5k - $10k from your Dad and traditionally finance.These kind of deals are more risky, but if you feel like you can mitigate your downside risk the upside is huge.

Property: Condo - owned outright - current value $300kLoan amount: $240k - 30 year fixedInterest rate: 4.375%P&I payment of $1198/monthOrigination charges: fees: $4250 underwriting: $1120Lender credit to borrower $-5100.00appraisal $435credit report $12closing/escrow fee $500document fees: $100notary fee: $150Lenders title insurance: $450recording charge: $120Daily interest charges (24.8333 x15 days = $387.50)`est closing costs: $2037.00Is this a decent rate and charges?

We went through a balance sheet contraction recession where weak borrowers were (and continue to be) separated from their assets.