I'm not saying I would do that here, but if I was accused of discrimination, I would play that card....Sexual orientation being a protected class depends on the state:http://apartments.about.com/od/protectedclassesfaq/f/sexorientation.htm

Our total is 60K so far in repairs, 75K on credit card with 15K in cash in bank account (borrowed from credit cards.)

When you have a network of mentors and experienced advisers to double check investment decisions then your fear can be pushed to the side.It is strange though that the American public has very little fear of maxing out their credit cards on flat screen plasma TVs and buying gas guzzling automobiles but has such fear of real estate.

They buy the house, submit a change of address card, move some furniture into the place and spend a few nights there.

Very similar to companies that buy old credit card debt and try to collect something.Due diligence can help and you can contact whomever you want to contact.

Although you can't help installment loans (house & car) affecting your credit score, you can have a great effect on your revolving credit (credit cards/storecards) by keeping your debt-to-credit ratio at 30% or less.

A couple of years ago, prior to Amendment 64, we rented one of our houses to two professionals who had their medical cards. 

I've never used them for postcards, but I just used them for Business Cards and they did a great job and were the lowest price I could find.Also, if you have a great color printer you could always buy cardstock from OfficeMax and print your own.

However I think they deal at hard money rates (or credit card rates) but they do lend specifically if properties need work (which some conventional lenders will not).

As soon as i turned 18, I got come credit cards and worked them and got a good (short but good history) score (700's).