We had the photographer in as soon as the work was finished which was a good thing since all the appliances were stolen three days later.  

If I remember correctly the concern was that others have had their homes broken into and equipment stolen during the rehab.

Then, within 24 hours of filling the online form, you have to take the signed acknowledgement, a hard copy of the ST-1 form, along with your PAN card, proof of residence and the Constitution of the Applicant to the nearest Commissionerate, with whom you are registering yourself.

However, I have some credit card debt that I need to pay off and then I will start saving for my down payment.

This is a credit card, friends and family deal, if you want cheap money...

try door knocking, it's cheap (take plenty of business cards or some kind of printed material with your info on it).

I spent 8 months under Dr care and physical therapy 5 days a week and had to open every credit card I could get to use for living expenses such as rent, utilities, insurance, cell, food, ect.

Simply download or transfer the podcast directly to the device's internal drive or memory card and use a podcast app or if supported, the devices default player to listen to them.  

Send letters, post signs, knock on doors, handout business cards, talk to everyone you know!

Give them your business card.