I have struggled to keep up with my own mortgage and my father's as well so my credit score has taken a severe hit.

I'm a former VP of a bank so I understand the advantages and disadvantages of both options, but it will really come down to matching financing with strategy.This is where I'm struggling more: is it better to utilize the "lump sum" equity and buy a better home in a "better" market (our families live in Denver and we know Scottsdale fairly well, but our $800K is more likely to result in 1 or 2 down payments vs a cash purchase) or split the $800K into smaller chunks and investigate a higher volume strategy in a smaller market where our cash goes further (cash purchases and refinances or multi-families).Would appreciate thoughts/experiences the community may have with "quantity vs quality"

If you struggle with distractions where you are now then you will if you move.

Readjust priorities and lower expectations  and let common sense application wins at the end of the day.This is being said in the context of being financially responsible and chat a good course and not finding yourself perpetually struggling as a result of an oversight or lack of knowledge.

Unless you have an amazing GC up front, you will struggle with the 203k.

A physical brokerage can also provide the opportunity to work from the office, which feels a little more structured and can be less distracting than working from home if that's something you struggle with.Let me know if you have any other questions!

Nakiah,What specifically are you struggling with? 

I have been struggling to find a GC for the budget I had in mind.

Good to see I'm not the only one on the struggle bus

I would tread with extreme caution, as right now most hosts in Florida are struggling.