I recently got a small loan to get a head start on my credit since I have no credit history.

How valuable is shopping around and reaching out to small credit unions for multi-family out of state purchases?

Im trying to work hard to get the credit the best i can like leasing a car and use a credit card.

I know that some people put a "cleaning" penalty in their agreements that will charge the vacationer if they have to clean up more than what is normally expected, if things are taken, etc, and they hold a credit card for this purpose.  

However, my son's death, and the subsequent divorce (and mental shut down) really hurt my credit. 

Now, is that equity mine, and would I be able to use it to get an equity line of credit ?

My question is about renting.When you advertise a unit for rent, do you charge an application fee & have them perform a background/credit check prior to seeing the unit?

What does it mean when a counteroffer says this from the listing agent: "Buyer shall be credited $10k for escrow fees and other fees."

Once you accept someone with a so so credit or start turning a blind eye to things that pop up on background checks or income requirements, what you do for one you must do for all. 

Why not re-offer 350k with a 100k seller credit (for example) and use that credit for down payment and closing costs when appraisal comes in at 370k like you feel confident it would.