Having sweeteners available such as personal property: cars, boats, Karatbars or silver bars can sometimes be the final perk you can throw into a deal to lock it down.

My mentor used to tell me, "Mortgage brokers are worse than used car salesmen."

Right now I'm scraping by working at a car wash for minimum wage.

And just because I had a bad auto mechanic does not mean that I start fixing my car myself. 

I used silver Sharpie to fill in scrapes in my (plastic) car bumper and it looks like nothing happened.

I know New Brunswick well, best bet is to stick with 2+ Family rentals for New Brunswick and anything within walking distance to the school since not all students have cars. $455 a month is cutting it very tight per month, you have one incidental and your cash flow is gone. 

I hope to get a hookup to listen in the car, too.

Dan a great broker/agent will prove their value in the negotiation process and getting it to closing.There is really so much going on behind the scenes that people do not see that happens in a transaction that many believe selling a house is like selling a car and signing the title away.It just doesn't work that way.

Pay off my car I owe $7,085 on my car, and monthly payments are $236.

Monthly Payments: 550 (which includes a car payment and the min payments on credit cards)However, all the credit cards are pretty much maxed out.