I spoke to her and she seemed pretty honest as to why it was the way it was from, being young and making some dumb decisions, going on tour for the Army and letting bills lapse when she is gone like cable bill and stuff like that.  

Or have I been told incorrectly?

Would being 5+ units (multi family) have an affect on the decision?

@Kalid AlogbiIt has been a very difficult decision for me.  

Please note these answers are generalities and not meant to be used for making actual business decisions.

Relocating up north soon from Socal and reckon am quite CLUELESS as to bay area orgs =L My new broker is a member of these so I need to choose from them:MetrolistSACPlacerEl DoradoOakland-BerkeleyBayeastContra Costa F...

Most of the deals I have done have been off market though.When you are ready, I'm happy to help you work through the analysis and decision making.  

I am assuming you are trying to get an FHA loan for you to personally live in correct? 

Hard Money will generally offer shorter term (con), fast decisioning/funding (pro), ability to build rapport/track record (pro)Lists could go on awhile...

I don't need credit cards, et al, ... yes TMI (too much info) as it all comes from the CR.A little phone calling and you learn enough to make a good decision.