The lowest score that some lenders will consider is 580, but not many will. As you improve your scores your options will expand. Somewhere between 620 and 640 your options improve more.
You should know that it takes more than a score. Income, assets, job security, history are all factors a lender will consider.
I would encourage you to talk to some lenders. I know one that assists with credit repair and helps people qualify sooner than they would on their own.... more
One thing I *would* say about Crooks though, is that you do have to watch the traffic down around that area, particularly with young children. It can get a little congested later in the day, when people are coming home from work (between 4 and 6). There is a nice park within walking distance, though. Down by the old Pinecrest Elementary School. I think it's called the Primavera center now.... Lots of grass and shade trees, and plenty of room for kids to run around. Great hill for sledding in the winter, too...... more
Well, assuming the properties you own are in you name, your parents name or jointly and you have a mortgage on them, i don't think you can change the ownership of the property to the corporation, unless of course you pay off the mortgage(s).
A sub-"s" corp. or LLC avoids double taxation. And you can complete/file for the corporation yourself or use one of the services like legal zoom to help you file if you want to save money compared to what an attorney will charge. But using an attorney is easier and i think worth the fee they charge.
You need the services of a professional, a CPA or tax attorney. I recommend a tax attorney that can advise you or the correct corporate structure for you and can then handle setting up the corp. or LLC.
Hi Ron - Sorry I wasn't able to respond, I've been out of town. If you are still looking please check out my website so you can understand my approach to marketing and selling your home in this challenging market. Call me if you have any questions.