This person had never used credit.

We normally do not seek judgement due to the expense that is involved, even after you win you have to continue to renew the judgement every year.We put them in collections and have it hit all three credit bureaus.

Instead, it works like a credit and goes toward some of your upfront costs.

I don't have the capital to replace the HVAC at this time or the credit to finance it.

Start with these three key points:Current SituationAssess your current or expected capital and credit within a realistic timeframe.

Tell the lender you want a construction loan online of credit.  

@Jeff G. not aware of that, but sure it's available for a price from Fair Isaac Co or one of the credit repositories.

It would be nice if you gave them more than that, because it takes a lot of effort to move a business (online marketing, business cards, etc.).

That said, green card is not a legal requirement for closing so buyer could waive this - though I don't see why they would unless deal is great for them.

I also have a $50k line of credit I can tap into when needed that will grow as I keep growing the business.Right now my rent is about $1700 where I've been staying for over a year, but really wanting to trade that for a mortgage and start building that equity.