I do agree in not racking up personal debt(credit cards, vehicle's, etc).

Instead, they racked up 10 hard inquiries on our credit doing something we could have done ourselves (filling out online credit card application forms).

It took nearly 4 months for the Big Box to make good on the repairs to restore the wall, wooden stair railing, and electrical switches that were damaged.You will be best over the long term to develop relationships with specific Contractors and Handymen; do not constantly try to beat them down on price, rather accept that they are providing you a good value (after an initial experience, obviously) and treat them like the Gold they are to your business.

It all depends on how much you want/need certain things.When I got sick, the medical bills racked up fast.

Here's a list of possible things that need done (written roughly in the order of operation):-Demo-Framing-Roof-HVAC-Rough Plumbing & Electrical-Insluation-Drywall-Flooring-Wall Tile (backsplashes, showers)-Interior Trim & Interior Doors-Cabinets-Countertops-Paint-Trim Plumbing & Electrical-Trim HVAC-Final Trim Out (Mirrors, TP Holders, Towel Racks, Mailbox, House #s)

Pretty nerve racking at first but certainly worth it in the long run.Are you just beginning your search for a potential small multi-family or do you already have a property identified/purchased?

650 credit you could get financing for it but its going to be expensive and they will only give you 60-65% LTV most likely so yes you would leave a lot into it.Based on what you wrote I would sell it and rebuild credit - lesson learned that people find out to late is racking up credit cards even at 0% teaser rate can be detrimental later on.

Tenants, "go into Holiday-mode" and start spending disposable income (and racking up their credit cards) on Thanksgiving feasts & trips, Xmas presents & trips, and finally NYE plans.3) Income Tax Refund checks start being received towards the end of February and corresponding, the rental market starts picking up again as tenants payoff their “Holiday Hangovers".4) Spring Fever starts, sometime in April-May, causing both sales & rental markets to start picking up.

Quote from @Seth Franklin: At the face value of this, it might seem that there are many different ways a company can get in a place to rack up many different charges.

I just looked into the new NVLink which clusters a bunch of these liquid cooled Blackwell chips together in a rack that has more data traffic capacity than - hold your breath - the. entire. internet. today at peak traffic.