If I establish income upon returning, could I get credit before 2 years provided I buy points and have some reserves?

Not sure if this the appropriate category, but it seemed like the best fit:I've been reading about land trusts and I have some questions: If I want to buy a property I have to personally qualify for the mortgage which means the mortgage is going to show on my credit even if the property is transferred to a Land Trust, right?

Condo renter may not be better people, but they have better credit scores and there will likely not be gang activity in a good part of town where the condo is.

If I am somehow able to utilize HARP does that impact my credit rating in a negative way?

Looks like someone thought of WHAT THEY wanted buyers to buy instead WHAT BUYERS are willing to purchase.They will be out of business soon trying to sell that.I can see some people with cash but bad credit paying 20 to 30% down because banks won't touch them but 50% is crazy.

Do I add up all properties' PITI, auto loans, credit cards, etc. then divide this by all the rent I receive?

if you closed on a single family house in february you probable got a credit for january and part of february from the seller, you shouldn't have paid anything if you were paying cash and not setting up an escrow

But you will still need all the usual credit, income, and reserves requirements.

I do know that with the lending market the way it is, and with so many previous homeowners with short sales or foreclosures on their credit record, they are all forced to rent.

To account for that, you either need to have awesome cash flow, or get the price lower to account for said future costs (or get a deferred maintenance credit from the seller)