Many of the people that are signing off on the loans have a much weaker grasp of credit than they realize.

This is of course just me brainstorming but what are your thoughts on this if any?

Work on increasing your W2 income, saving money (don't buy new cars, expensive clothes etc), pay down credit card debt.

In 2023 I paid down about 20k in credit cards and saved about 10k. 

Everything around is blowing up (has been for a while) but of course, SS units and Car Washes are going up right along with the expansion!

It comes with its headaches of course.

Tenants should not be able to revers a charge - unless they paid via credit card and filed a claim with their credit card company.In that case, the fault is NOT with Buildium, but with the tenant.How have you checked out and verified the reason for the reversals?

And the borrowing would occur on the behalf of the trust via a line of credit of some sort?

If it is the case, you look at short-term rentals, you could buy them as second homes but you might be limited in the number of second homes you can get. if you pay cash, you can do what you want of course.

I have great credit I’m wondering why I didn’t get offered to put down 3%.