Whatever you do, just don’t go with the mechanical deadbolt varieties in climates with high temperature variability.

I know that can be common here in NYC but in other parts of the country, it’s usually an easier process...I typically look for 2 months of the most recent pay stubs in addition to the photo ID from the majority of applicants, only in cases where pay stubs are insufficient to verify the reported income (self employment, variable income (tips or overtime for example) do I go down the path of looking at the recent taxes/bank statements.

Note our account with TD Ameritrade had really low rate 3-4% last year, not sure what that is now but it is variable.7)  Get a cash advance credit card, with 0% intro APR and roll over your more expensive debt.At one point early on we had a Prosper loan, Chase card, US Bank Card, Wells LOC and Wells Card that were all close t their limit.  

Saving/Investment: 25%Giving: 25%Fixed Expenses: 20%Variable Expenses:  20%  Fun Money: 10%With each fluctuation a small percentage month to month.Help!

Loan: 0% down @3.75% fixed for 5 yrs and then variable for remaining 25yrs up to max of 9.75% - new professionals program loan w/ local lender. 

If you want someone to trust you with all of the variables YOU will need to control in a real estate investment in order to provide the SERVICE that is property ownership, you have to have your own house in order.

Lotsa variables. 

There's a lot of variables at play that David Greene covers well (even in his Instagram reels you can learn a lot on this specific topic).  

As a buyer this makes you more competitive as it alleviates the variables that come with conventional financing.

The broker sent us the loan commitment letter to sign but the language in there indicated it was “variable” - I of course questioned that but it took him (no joke) 3 weeks to answer the question of if it’s in fact variable or fixed.