However, threatening legal action in response to constitutionally protected opinion based on disclosed facts only adds to the growing concern among the investor community about your conduct.I am also aware that you have attempted to require certain investors to sign non-disclosure agreements (NDAs) in exchange for partial repayments or other settlement terms.

Of the cases pending in Lee County, there is an active case, whereby the Plaintiff is alleging approximately 5 million dollars against Blacktip, and one alleging $150,000.There may be more cases, judgments, or settlement agreements that we are unaware of.  

Also, when settlements are made, I don't know if that is made public.  

-- AND the practical thing: Clean up my credit rating by (a) increasing available credit (without any hard pulls), and (b) clearing as much open debt as possible to reduce credit utilization (and then keeping it clear!).

You will need cash or debt, its either one of the other. 

This only takes into account the monthly payment you're trying to buy and in essence you do backwards math till you work your way into a maximum loan amount or purchase price usign this 46.99%.The backend of 56.99% or 10% higher than your front ratio of 46.99% just means you have 10% of your monthly gross income for all your other debts like car loans monthly student loans credit cards etc (other debt basically), you cannot exceed this otherwise it will reduce your front ratio vice versa (IE if your back end stuff is 20% that only leaves you 36.99% for our front ratio = total of 56.99%).You can payoff debt, get a raise at your job, you can buy down your rate, get a cheaper insurance quote, have your brother refinance your car off your name, etc (strategies to reduce your DTI to increase your borrowing power).

I've purchased my own home without a mortgage and I own all of my vehicles with no debt.

I am now debt free, have a sizable nest egg, and am ready to take the plunge back into the real estate world.

I bought it at roughly market value for the long-term debt and strong area fundamentals.At this stage of the amortization schedule, the loan is paying down around $11.5K in principal each year.

On the other hand, 4% is relatively cheap debt.