With anything in finance it is all about looking at the repayment schedule and attempting to use money efficiently. 

@Eva Holland - I can help you identify a great PM unique to your situation -- PM me.

Fix/flip loans are not so much about credit worthiness, as to the willingness to repay debt. 

They offered to loan me my available credit limit at 7% APR with a 5 year repayment.

Philly is a great place to invest with a lot of unique neighborhoods.

For capacity, that just means that they want to ensure you have consistent,stable, and reliable income to repay the loan.

I have some 0% APR CCs I can use for some of those expenses, but also need to get a personal loan, ideally for $25,000, that either has an elongated repayment period (5+ years) with no early payment penalties, or will allow a balloon payment.

As a flipper in Las Vegas and with my experience as a regional property manager, and in construction I've wanted to take this on for a while and now feel that the time is right and I'm uniquely suited for this niche.

The landlord must keep security deposits in a special escrow account or post a bond with the local municipality to secure repayment.

Given the unique lockdown situation that we're in, it might be worth it to you to offer more if the numbers make sense.Of course, there are those that won't do CFK for a variety of other reasons.