I am almost desperate enough to borrow money from my bank credit card just to come up with the earnest money.

But your home where you raise your children is a different ball game.

For this reason, I decided not to raise my rent but since I have not raised the rent for 3yrs I feel that it's time to raise a little especially with many recent fixes.

I have no problem draining my reserves for a flip as I know I could borrow on credit card short term if I needed cash and will be out of the flip in a few months.But starting out, just set aside a reserve in a bank account.

My issue is I have made the mistake of financing everything out of pocket in the form of savings and two separate personal loans that have had the detrimental effect of both raising my dti and lowering my credit score by approximately 30+ points (was 700+).

The existing finances, even with a rent raise, seem pretty tight to me. 

Visit builders, regular drop-bys, replenish business cards, network.

Oh, guess what, I just so happen to have been born/raised in Lincoln Square and am currently a broker at Berkshire Hathaway for the past 14 years.

Gents, I was raised in C-ville, graduated ‘04 from Woodland and played ball at Shorter in college.

Noise is a good issue you raised but would be during regular working hours so shouldn't be a problem.