The lender told me they got no score because I was paying my credit card balance to zero.

You are paying money thinking it will bring you business, when in reality it's just bringing you a bunch of contacts that aren't serious.Build relationships.

I am not usually the smartest person in the room but I like listening to them and paying attention to their advice.

If you pay all cash, you are paying full price for the property. 

However, from my understanding, it takes a long time to pay down the principle when making mortgage payments.

She should only pay for the unit she occupies and the days she occupies it.I'm not real familiar with Venmo.

Assuming you're not an arborist, you made a judgement call regarding someone else's property and now you are going to have to pay the piper.

Drafted a plan, gathered estimates, created a budget, put together DTI sheets, even got an "as-built" appraisal, and also have it in a permit status at the Local Building and safety office.Then I started to look into the construction loan and the permanent financing....to do it myself, and not through a builder.I soon realized that there are sooo many companies out there that want to try to help...but cant  (some of them were even on this network of people):  don't have builds on record, won't allow for owner-built homes, my credit is less than 680, while carrying the construction loan, there may be a point at the end where because i have my rental house while building that it become hard to pay, and  I can't pull out a private loan to help start process because my credit cards balances are horrible...and my "business" has no show of income.So, now we are here in the present time....   

You want to be able to select who rents your house and how do you know the person they sublet to will pay the rent and take care of the place?

Argh, sorry I wasn't paying attention and missed the opportunity.