Given the wide spread between your highest and lowest scores, my guess is that utilization is pulling down your lower scores.

It’s great that you’re approaching it with eyes wide open.Cashing out a 401(k) can work in some situations, especially if you're using it to launch a long-term wealth-building strategy.

A lot of free online lease forms are outdated or don’t follow Texas landlord-tenant laws, which can leave you wide open to risk.Here’s what I recommend:✅ Lease Agreement: Start with the Texas Association of REALTORS® (TAR) lease if you have access.

IMO running a flipping business, without capital, is risky for all parties, especially the funder.Cast a wide net & find a PML or capital partner.

Airbnb Can Now Delay or Withhold ThemThe updated terms give Airbnb wide discretion to delay or adjust your payouts if they detect risk factors—like a new account, irregular booking behavior, or pending documentation.They’re not required to give a timeline.

But if you stay local and play it smart, there’s still a lot of opportunity in NY, you just have to go in with eyes wide open.

Think of your cash as a tool to de-risk, not just fund.ARV & Rehab: Get familiar with comps in your specific submarket (not just zip code-wide).

For example, look at the "appreciation" in these five neighborhoods:North End/Milwaukee Junction. 3,398% from $3,503 to $122,500Core City. 2,233% from $3,000 to $70,000Wildemere Park. 1,733% from $6,300 to $115,500North Lasalle. 1,718% from $3,850 to $70,000Islandview. 1,135% from $4,250 to $52,500The reported "city-wide" appreciation number is propped up by the speculative activity in pockets like these.

the added bonus here is that he is well known in the area and has a strong social media following and network, so IF he ended up having some influence on your job, he could probably spread the word far and wide.

I get closer and get in my wide defensive stance.