@Chase GueletteMake sure to verify that is legal to use ringless voicemail in your state.

I tried to get her to verify with another person, but she said she knew for sure. 

@Ben Frazier keep a very close eye on them and make them verify everything (from my experience).

Your mortgage broker, if they are any good, should be able to explain this approach, verify whether it will help you in your situation, and then suggest possible banks to apply for a card.And, if your broker doesn't understand what I'm proposing, find someone more experienced!

If a wholesaler tried to pitch me a property that was just plucked of Zillow that would probably be the last conversation we had.More importantly, have you verified the home's condition and level of updates? 

I just noticed recently but I have reason to believe its been since June and I can verify by checking with the neighbors.

I can verify, I have held two houses on one VA entitlement before.

Find a sponsor with double digit exits and a verifiable track record.

I would need to verify this before making an offer.  

Cash isnot acceptable.o Maintain Payment Record with date paid and current balanceo Send monthly balance statements to the Borrowero Escrow the loan (for County Taxes and insurance)o Track and verify any superior liens on the property other than your noteo Submit IRS Form 1098-INT to the borrower by January 31st of every yearo Notify borrower no later than 3 months prior to any principal reduction payment orballoon payment dueo Observe borrower care of the property