@Kenneth Garrett, @Matthew Irish-Jones @Roland Jerez @Zack Howard @David Gates @Kenneth Garrett @William Nelson @Josh Kredit-Phelps @Patrick Menefee @Gene Neeley III,@Kateesha Tearry and @Mark JohnsonI truly appreciate all of you for taking the time to reach out to me and share some of that wisdom you all have obtained over the years.

@Josh Kredit-PhelpsYes, it’s become clear to me that my goals have been much too vague so far, diluting my efforts to get there.

because kredit karma has scores which do not agree with creditnav, but still lower than my bank.Still, even with a low score- the total silence makes my skeptic son insist they are a scam and he is just waiting for me to 'loose my shirt again' trying to find some way to change my income future.just tripping i guess.  

@Josh Kredit-Phelps I would honestly be nervous if I was offered a 100% seller financed deal that had a broker involved.

Kredit Karma scores or any consumer driven credit score model will always be different than the FICO model that lenders use.

Work on boosting your credit score - Use a site like Kredit Karma or Nerdwallet to see how you can improve your score - A better score will most likely yield a lower interest rate2.

Buying rental property first could limit what you buy for your family later on.The first step in the process is pull your credit report from one of the free services like Kredit Karma. 

Welcome @Josh Kredit-Phelps!

@Josh Kredit-Phelps was the property in Salt Lake City?

Quote from @Matthew Kredit: Quote from @Chris Seveney: @Matthew KreditWhy not buy her out and owe her the $ / have her give you the loan?