It won't be 100% accurate, but it will be close enough.

If you know you know) Welcome to the forum Jim, plus your a #1 advice giver on BP which is pretty close to winning a Tony =) Best of luck 

I've not felt good at closing on any of them.

So, before I close on this house, I would like to hear all ideas on the best use of this money taking my goals to account.

So I took a break from pursuing it for a while and now I want to get back on it again but I want to do it here in Seattle-Tacoma area where it’s less competitive and I can work on it closely while I’m starting out.  

I only have 12 months to pay the cc before the interest kicks in and my limit it's about 20k would be enough to cover down and closing expenses.

I just closed on my first house Friday and am doing all of the work myself with my step dad.

Her main concern is if we stick 10k into the renovation to complete it, and closing costs on our new property, plus a couple small updates to the new property.

I do live in a lower-income area that is now up and coming (more job opportunities, more infrastructure being built, local amusement parks, close to city, etc).

Upon closing you will want a licensed servicer hired to collect payments etc.