I check the listings to keep up on prices, do my reading here to keep up on things, paid off all debt except my mortgage to start building savings and building my credit higher, I also have access to 120k if need be, I feel a bit stuck.  

Others have helped me and so I am just paying my debt to BP.Don't worry about a healthy kickback.  

I would have not gotten myself into debt....

In general, How is DTI measured in relation to discharged debts still being paid but not reaffirmed?

The grantee is going to have a gift tax applicable to them, they could have less of a tax burden with the forgiveness of debt from a seller financed note.

@John Cannon  not sure who all those people are.. but you can do sub too on any property.. with any lender.. and any lender private or not has an alienation clause in their debt instrument so they can call the loan if its alienated.

A borrower who files bankruptcy has protections under the bankruptcy law for debt collections.  

I sold my investment properties to pay off my debts and provide basic income to support my family yet the job market did not recover fast enough to avoid bankruptcy.

Ultimately, you want the business to provide your "paycheck" (in quotes intentionally) rather than a j.o.b.Most folks want to eliminate debt, yes.

A partner 1. must be trusted and 2. has a right to know the financial aspects of the partnership, including who he's in debt to.