She told me she used her credit cards which is way higher but instant.

Get a address list from a marketing company and send post cards in your neighborhood.

More often than not, they exchange some hearsay and myths that are not true.

.- Make sure you are getting a good Lender Title Insurance to secure your lien.  125% ALTA policies with no Western Regional Exceptions (also known as 2006 Extended Policy Coverage) are great for private bennies in California, and that may also be true of New York. 

This is when I ask for your help, BP veterans, lenders or anyone who know about this.This sounds too good to be true, right?

Maybe not totally true - some windows do add something to the look of a room. 

Just post your credit card below and I will set you up

The numbers seem to good to be true if you vacation rental it. 

I have documentation on 2011 mortgage, my schedule E tax returns since 2011, recent renovations in 2017, insurance covered renovations in 2018 and recent refinance that removed PMI and lowered rate by 0.25% (cashed out some to pay off credit cards). 

A trial on the merits is always preferred to a default.In your case your opponent apparently has no case and no money and couldn't even properly prepare a motion to re-open... it doesn't make what I said any less true.