vetting the ground partners is critical.I find it, well, if not humerous, maybe strange..but you have a landlord that bought a mid west 40k rental property and they want a full credit and criminal background on the tenant moving into their asset RIGHT ?

After two years, I've finally made it home and I've been working for 6 months, regaining credit and saving. 

I don't need others to 'cooperate' to make this happen, so as I celebrate my 50th post, I am setting my sight on 500.

I have 100k+ worth of cash and good credit to get decent mortgage.

Hi Kris - $40k is too small for most lenders, I would suggest a local credit union or savings bank. 

Folks - all the credit goes to my friend @John Hyre.

Hello Bigger Pockets family,Here is my current situation, my current credit is in the mid's 500's , I have income close to the $90's / year, but no money down.I will have access to maybe $7k by next year.

I have not always been the best when it comes to protecting my credit.

We use MINT.com, which is nice.According to MINT, what is largely dragging our credit score down (it's a 758) is credit utilization.That's a few credit cards here and there but predominantly our HELOC is 60% utilized and bringing up our total credit utilization up over 40%.I'm under the understanding that many people use HELOCs as a great way to pull out equity from their primary residence.I don't understand why one would be penalized from having a stronger equity position in their primary residence?

So what I've learned is that my bank is a joke, a local credit union called Amplify Credit Union.