I'm not a bankruptcy expert but if he filed bankruptcy depending on the type he would have to set-up a payment plan to repay his debts. 

If you're including principal repayment of a loan as a deductible expense, that might be why your "expenses" appear abnormally large at first glance.

Now you can start to open yourself up to all these unique opportunities you are seeing all around you.

I will then pay back at the +0.25% rate, the $65 annual fee (waived the first year) and (haven't worked through the details on this part yet) commit to a full repayment should the HELOC rate go crazy.It seems like this is a reasonable way give my family member a return (meager, but otherwise unused anyway), take advantage of the different lending rates, and still meet the obligation to my local bank.

To be conservative I would rather assume it will not go perfectly as planned and I may end up taking some time before I can get everything sorted.In summary, do any of you know of options which I can get financing for an apartment which leaves a wide margin for error and relies mostly on my personal ability to repay the loan?

Repay my mortgage in full to bring my debt down.

Also being a millennial I believe social media can be extremely beneficial, I don’t currently have the creative ability to come up with unique posts and to come up with them consistently.

Use BP to find someone who has already invested in the area and can help you talk through some of the specifics unique to Jacksonville. 

At this time, I believe this to be a wash, and dangerous, as most taxpayers will spend the advance payments, not knowing that the advanced payments reduce their refund / increase their tax due on the 2021 returns via their 2021 child tax credit.Beefed up dependent care expense credit -- 2021 return.Changes to the premium tax credit -- including forgiveness of excess credit repayment on the 2020 returns (yes, the current returns we're working on). 

The more trust you have the longer the repayment period you can have before refinancing.