Another option is to co-sign but that has the same impact on my credit and responsibility to the bank.  

I put a new build under contract early this month, and are now working on the loan with a credit union.

Quote from @MIchael McCUe: Money isn't easy to save and $10,000( my debts) is a ton of money I want to save for a downpayment, I'm just starting so I don't have any money I would like to save $60,000 to buy a rental property, I think I could do it in  5-6 years, my brother filed bankruptcy and they relieved him of $6000 in debt from cash money.a list of my debtGst Hst Tax 4500 income tax from working with my dad I oweScotiabank credit card 1400Canadian Tire credit card 500cash money loan 2400Belair 600echelon 600should I pay the 10k back in the next while or should I file bankruptcy like my brother as It won't be for years until I am able to get a downpayment for a rental house anyway.Here are the negative consequences, in regard to real estate, of filing bankruptcy1.

Shapiro are tacking on the STAR credit (that they did not get directly) onto invoices for those residents.

Some credit unions will go to 85%-95%, but there are just a few that will do 100% loan to value! 

🌟Great no move to Multifamily With the same skills you can manage a 1M fourplexMore independence when you grow your familyStart the journey to bill wealth  if you have a 350,000 at 6% your wealth per year 21000with a 1M  your wealth 60,000 per year  3XBuy a 350$ houses you need to have good credit great Income personalBuy a 1M  Multifamily    (my unit 350$ same income)+ 2Unit rent is your income+ 3rd Unit rent is your Income .Same only that your roommates don't live with you.

No reason stated I had great credit score cash on hand excellent properties.

Our economic system has inflation, which favors the banks, baked into the system.

BTW there is a free trial and the Starter monthly plan is $119.It also allows you to search through consumer information such as property owner "credit worthiness," Credit card usage, buying power, age, language, family members in the house, and many other fields that are above and beyond property characteristics, which is unique.

Below are the Invelo plans and perks: Free Plan receives $50 wallet creditStarter Plan receives $50 wallet credit and 15% off original plan subscription costGrowth Plan receives $100 wallet credit and 15% off original plan subscription costProfessional Plan receives $100 wallet credit and 15% off original plan subscription costSkip tracing is available in the platform for all plans and the pricing can be found here (please scroll to bottom where it says In App Pricing.