I think the main problem is these loans have all been created fairly recently, and reduced the overall age of my open accounts.

The house did however come with an A/C at the time they signed a lease so I have to maintain it or reduce her rent.Hey this may be a good strategy for getting her out.

I'm now receiving offers in the mail to reduce my CC debt.

You'll be looking at a higher FMR that will reduce your credits allowed for financing purposes based to some extent on the repairs you made.As to refinancing, the hard costs of your improvements will be considered as an equity achieved.

HOw am I reducing that when the exchange is complete?

Also increases the chances of a federal entity having to finance a loan.4) Local Taxpayers- House keeps it value therefore surrounding property taxes aren't reduced due to a foreclosure.

Medical and credit cards aren't as worrisome as utilities and former landlords.

Even think about rentals on some for building monthly cashflow.To me, the benefit of real estate with a full time job and cashflow from rentals, it helps reduce your AGI and overall propel you towards even more cash.Also, look to join a real estate investors group/club in your area and learn more on this website as I read about others on here going from 0 experience to 100% full time REI than I could have ever imagined.

And, if you have a business or economic reason, such as loss of job, loss of income, medical emergency, etc., to explain why you move in early you will still be O.K. as long as you can demonstrate that you did have the intent to hold for rental or investment and then "something" happened and you had to move in.

I don't like the word "fantasy" as that implies a certain amount of implausibility - so I'll call it a long-term goal:Develop/Renovate a "mixed" Senior/Caretaker facility where Family/Friends can Move-In with special needs seniors who would otherwise be living out their final years in specialized care facilities.This facility would provide all the equipment and specialized medical care but without the isolation and callousness of traditional long-term care facilities.