I PM'd you my cell number.  

@Jason Vo If I were to buy in those areas near bodies of water or levee districts, I would not hold on to them for too long. 

With that, I have a lot to either pay off, consolidate, or a combination of the two.I'm going to break down debt amounts in total and by monthly payment with scenarios of what my DTI may be when paying off certain amounts of debt/accounts.Of course, we wanted to avoid private mortgage insurance, but the primary goal is to get debt paid off so I'm at a good DTI and so I can get my credit score higher for a lower interest rate.We are planning on moving to KC from the Twin Cities area in the early spring, so we're allocating about $3k to moving.So, we have about $40k in savings, including the money we made from the house sale.Income=$24/hr, $3840/moHere's how the debt breaks down.1) Credit card 1: 4021 bal, 183/mo2) Credit card 2: 8032 bal, 218/mo3) Credit card 3: 11084.30 bal, 133.49/mo4) Credit card 4: chase 401.60 bal, 5.04/mo6) Line of credit: 762.36 bal, 0/mo7) Insurance (renter's & auto) 232/mo8) Cell phone 33.14/mo9) Student loan 1: 96.55/mo10) Student loan 2: 126/mo11) Personal loan: 250/mo, about $9k balance13) Line of credit 2: 1900bal, 25.20/mo14) Credit card 5: 463.09 bal, 16/mo =1429.4215) Rent 1100/mo=$2418.42 debt payments per monthSo, $2418.42/$3840=.62979 DTI, or 63%.

Also I'm on a cell but it looks like your allowing $17 dollars a month for taxes?

Technology is at play in the palm of our hands using our cell phones.

After digging in with the mortgage broker it seems that the National Credit Union governing body illy allows credit unions to make 15yr loans on commercial properties.

Flipping cars, cell phones, kids toys etc. 

Feel free to reach out to my cell to talk more. 662-701-7999.

Only mom's name appears in the Grantee's block (Mary Smith to Mary Smith as to a life estate) with the daughter's interest mentioned in the body of the deed. 

PM me and I can give you their cell numbers. :)