FHA Loan?

Are you considering a home purchase in Kentucky ? If so, then a Kentucky FHA loan might be for you. This Kentucky FHA Mortgage guide will provide you with all the FHA loan information you need to buy a home in Kentucky using the FHA loan program

What Is A Kentucky FHA Loan?

If you’re looking to buy a home but have limited funds for a down payment or a lower credit score, then an Kentucky FHA loan might be a good option for you. This is a type of a Kentucky mortgage insured by the Federal Housing Administration (FHA), which allows Kentucky FHA lenders to be more flexible with their requirements for borrowers who may not meet traditional criteria.

How do Kentucky FHA loans work?

KEntucky FHA loans are a government-backed program which makes homeownership more accessible through more lenient lending requirements. With an FHA loan, a borrower could put down as little as 3.5% if their credit score is at least 580, or 10% if their credit score is at least 500. Nevertheless, there is a trade-off; regardless of the amount you put down, there is a requirement to pay for mortgage insurance upfront and monthly premiums and it is for life of loan
The FHA collects a one-time upfront mortgage insurance premium (UFMIP). This premium needs to be entirely financed into the mortgage or paid in full at closing. Additionally, there is an annual mortgage insurance premium, also called monthly MIP, which is collected in monthly installments.
The annual mortgage insurance amount depends on factors such as the loan-to-value ratio (LTV), down payment size, and mortgage term length. Lenders calculate the annual payment as a percentage of the base loan value.

Benefits Of Kentucky FHA Loan

There are several key benefits that make Kentucky FHA loans an attractive option. Here are a few of the benefits:

• Low to zero down Down Payments: FHA loans are designed to help borrowers with limited funds for down payments. Specifically, if your credit score is above 580, you could qualify for a down payment of 3.5%.
• Flexible Credit Requirements: FHA loans have lower credit score requirements compared to conventional loans. Even with a credit score as low as 500, you may qualify with a 10% down payment.
• Lower Debt-to-Income Ratio (DTI): Compared to conventional loans, FHA loans typically allow borrowers with higher levels of debt to still qualify by allowing a higher Debt-to-Income Ratio (DTI).
• Gift Funds and Grants: You could leverage gift funds and grants from family or approved organizations to contribute towards your down payment.

Kentucky FHA Loan Requirements

To be eligible for an Kentucky FHA loan there are some specific requirements you must meet. Here is an overview of these requirements:

FHA Loan Down Payment

The amount you’ll need to pay as a down payment on an FHA loan depends on your credit score. If your credit score is 580 or higher, then you could pay as little as 3.5% of the loan amount. However, if your credit score falls between 500 and 579, you’ll need to pay a larger down payment of 10%. If you’re short on funds, there are several DPA programs available which could help for Kentucky Homebuyers with zero down payments to get into a house.!

Kentucky FHA Mortgage Insurance Premiums

All FHA borrowers, no matter how much of a down payment they make, must purchase both upfront and annual mortgage insurance.

WHAT DOES KENTUCKY FHA MORTGAGE INSURANCE COVER ON YOUR HOME LOAN?

Kentucky FHA mortgage insurance protects lenders in case you, the borrower, default on your mortgage. This allows lenders to offer FHA loans with lower down payments and potentially less strict credit score requirements. Essentially, it mitigates the lender’s risk, making Kentucky FHA loans more accessible to first-time homebuyers or those with limited savings.

HOW MUCH IS FHA MORTGAGE INSURANCE?

FHA mortgage insurance has two components – an upfront premium and an annual premium. The upfront premium is a one-time payment that you need to make at the time of loan closing, and it amounts to 1.75% of the loan amount.
On the other hand, the annual premium is a recurring cost that you need to pay as a part of your monthly mortgage payment. The amount of the annual premium may vary depending on factors such as the loan term, loan amount, and loan-to-value ratio (LTV).
Oftentimes, with credit improvement and an increase in home equity (at least 80% loan-to-value), borrowers with FHA loans opt to refinance to a conventional loan program. This helps eliminate the monthly mortgage insurance premium portion of the monthly mortgage payment.

HOW TO CALCULATE KENTUCKY FHA MORTGAGE INSURANCE

To calculate your Kentucky FHA Mortgage Insurance, you can either use the HUD Calculator or follow these simple steps using your specific information:

1. Determine the amount of your loan.
2. Calculate your loan-to-value (LTV) ratio by dividing the loan amount by the appraised value of the home.
3. Find the annual MIP rate based on your LTV ratio and loan term. You can find this information on the HUD website
4. Multiply the loan amount by the annual MIP rate to get the annual MIP amount.
5. FHA Loan?

Are you considering a home purchase in Kentucky ? If so, then a Kentucky FHA loan might be for you. This Kentucky FHA Mortgage guide will provide you with all the FHA loan information you need to buy a home in Kentucky using the FHA loan program

What Is A Kentucky FHA Loan?

If you’re looking to buy a home but have limited funds for a down payment or a lower credit score, then an Kentucky FHA loan might be a good option for you. This is a type of a Kentucky mortgage insured by the Federal Housing Administration (FHA), which allows Kentucky FHA lenders to be more flexible with their requirements for borrowers who may not meet traditional criteria.

How do Kentucky FHA loans work?

KEntucky FHA loans are a government-backed program which makes homeownership more accessible through more lenient lending requirements. With an FHA loan, a borrower could put down as little as 3.5% if their credit score is at least 580, or 10% if their credit score is at least 500. Nevertheless, there is a trade-off; regardless of the amount you put down, there is a requirement to pay for mortgage insurance upfront and monthly premiums and it is for life of loan
The FHA collects a one-time upfront mortgage insurance premium (UFMIP). This premium needs to be entirely financed into the mortgage or paid in full at closing. Additionally, there is an annual mortgage insurance premium, also called monthly MIP, which is collected in monthly installments.
The annual mortgage insurance amount depends on factors such as the loan-to-value ratio (LTV), down payment size, and mortgage term length. Lenders calculate the annual payment as a percentage of the base loan value.

Hello,
I’m currently living in France, having no plans to move back to the US and am working to get citizenship here.
I have both private and federal loans back home, my federal loan payments at 0 due to having foreign income.
However I still have Sallie Mae and Parent Plus loans on hold that will resume payments in September.
I don’t plan to pay them back however I have my parents as co-signers and need to make the minimum payments in order to release them and have them only in my name.
Does anyone have experience with doing this and was successful?
Also what is the process for defaulting on loans and living abroad? I’m prepared to eventually get a lawyer, go to court and reach a settlement, but what is the process before that? Will i be arrested at the border (don’t laugh, I’ve seen crazy ‘stories’ idk if they’re true or not) or potentially have my parents harassed even if they are no longer cosigners?
Any advice would be greatly appreciated !

Hello,
For my upcoming fall semester I need to either find new loans or ask the loan companies I've taken out already will loan me more money. I am just curious to know if anyone knows any good loan companies that dont require a co-signer. I can provide proof of income. I feel like the loans I have have such high interest rates unless this is normal?!? I am in Jersey and the companies I've taken loans from are Ascent funding (17% interest) and Launch/Funding U (12% interest rate). I also have one from Sallie Mae (9% interest rate) with one co-signer. My mother has helped me find these loans but now I want to take over and manage my loans so any advice would be so helpful!

As many of you may have read, there is a case of two missing adopted kids in North Carolina, where remains have been found. The news has reported that their adoptive “mother” is Avantae Deven.
I’m a curious person and started digging up information on Avantae Deven when I first read the story in my news feed and could not believe what I was reading. It seemed like whomever this woman is must have be using an alias; Avantae Deven is not a name like Kim Jones or Mackenzie Smith.
The more I dug, the weirder it seemed to get. I found a property deed to a place in Sedona, Arizona, and figured out that whomever this Avantae person is, she at one point in time had owned a home together with someone named Nicole Adams. So I dug into who Nicole Adams was, and learned that she was the widow of a spiritual leader named Robert Adams. It appeared to me that there would be no way to identify who Avantae really was, unless I could also identify the true identity of Robert Adams.
*******
I've done investigative work for many years, including skip tracing. I can conclusively state that there was absolutely no person actually named Robert Adams born in New York State on January 21, 1928. This is demonstrated by the New York Birth Index. I have combed the census records for 1930, 1940, and 1950, and cross-checked them against multiple databases, and am confident that nobody with the birth name of Robert Adams was born anywhere in the United States on January 21, 1928.
Moreover, there was absolutely no person with the true name of Robert Adams who died anywhere at all in the United States, let alone Sedona, Arizona, on March 2, 1997. This is demonstrated by the Social Security Death Index.
I began this research largely by performing exhaustive searches on the known addresses that are associated with Robert, his wife Leonie (who used to use the alias Nicole), and Avantae Deven (who turns out to be their daughter Michelle who began using the alias Avantae in the mid-1990’s or so). Most of the addresses are PO boxes. Those that are PO boxes are all *private* PO boxes, not PO boxes that one can rent from the United States Postal Service. To me, that spoke volumes. The family were clearly using aliases.
As I explain further below, I eventually determined that “Robert Adams” was Robert Spiegel, born 21 January 1932 in New York. “Nicole Adams” was actually Aileen Beverly Leonie Maxwell, born February 2, 1929, in Jamaica. “Avantae Deven” is actually their daughter, Michelle K. Spiegel, born on October 1, 1960, in California.
One of Robert’s many false stories about Robert’s life that my research has refuted is Robert’s claim that his mother was Jewish and his father was Catholic. That was a lie. Both of his parents were Jewish. It’s also interesting that he claimed that he was “raised Catholic.” There is absolutely nothing to suggest that. His mother always, in New York, lived in Jewish neighborhoods. Moreover, as will be discussed below, his parents had a Jewish wedding. It’s also downright absurd that he would tell people that he was “half Jewish.” If your mother’s Jewish, you are Jewish, pure and simple. Even if Robert’s father had truly been Catholic (which he wasn’t; his name was Samuel Spiegel and he immigrated to America in 1907, lived with his Jewish, Yiddish-speaking cousins, and spoke Yiddish himself), Robert would have been Jewish because the status of being a Jew comes from the mother. Robert’s mother’s name was Fannie (nee Fleisfeder) Spiegel. Fannie’s parents were Itzik Fleisfeder and Esther Libke (nee Rifkin) Fleisfeder. Esther’s parents were Mendel Rifkin and Sarah whose maiden name is lost to time and the disappearance of the shtetls. Robert’s claim to having had a Catholic father was utterly false, but is part and parcel of his ongoing compulsive daily lying about anything and everything.
Here is the story.
*******
Kolomyia, formerly known as Kolomea, is a city currently located in the Western Ukraine.
On January 21, 1892 (the same year that Kolomea tallis¹ workers went on strike for better pay and working conditions), Kolomea resident Rachel Katz, wife of Abraham Spiegel, gave birth to a son, who was given the name Schmuel.
On the date that Schmuel Spiegel entered the world, Kolomea was ruled by the Austro-Hungarian Monarchy, and almost half of the city’s residents were Jewish.
In June of 1907, fifteen-year-old Schmuel² boarded the Zeeland, which sailed from Antwerp, Belgium, arriving at New York Harbor on June 18, 1907. The ship’s manifest states that Schmuel’s father had paid for his transport, and that Schmuel intended to reside with his father, Abe, in Brooklyn. Schmuel was granted entrance, and took up residence with his cousin Charles Fetner, who resided at 353 Myrtle Avenue, Brooklyn, in Apartment A with his wife Jennie and their baby daughter Ettie. The sparse record that exists suggests that although Schmuel’s father was, indeed, named Abraham, Abraham lived and died in Europe, without immigrating to America.
The 1910 census describes Samuel’s cousin Charles as a carpenter, who had been married to housewife Jennie for six years, and a father of three children-- Ettie age four, Nathan age two, and baby Jacob, who was not even a year old. Eighteen-year-old Samuel was identified by profession as a “Foreman Sailmaker” in an industry described as “pocket-books.”
Three and a half years after being granted admission, on a bitterly cold winter day, January 4, 1911, Schmuel (now employed as a pocket-book maker, and having Anglicized his name to Samuel) signed and submitted his declaration to become a United States citizen. He stated, in that declaration, that he was born on January 21, 1892.
By 1915, Samuel had left his cousin’s abode and was residing as a lodger in the home of a widow named Rose Hammer, who lived with her two adolescent sons, Meyer and Louis, at 531 E. 5^th Avenue; Samuel was now working as a “driver.”
Two years after the 1915 state census was taken, Samuel had moved back to Myrtle Avenue, but this time at building no. 849. On June 15, 2017, Samuel registered for the draft, and described himself as being a pocketbook maker, working for “A. Shoenfeld,” at 101 Crosby Street, New York. He was single. He stated, in his draft registration, that he was born on January 21, 1892.
*******
A woman named Fruma Fleisfeder was born in Beltz, Bessarabia, sometime between July 1, 1893, and 1901, to Itzik Fleisfeder and Esther Lieba Rifkin. Fruma (not living up to her pious given name) provided different dates and years of birth to different authorities on different occasions, making it impossible at this point in time to know her true position in the birth order of her family. Regardless, Fruma, who began using the name Fanny upon her entrance to the United States, did have three brothers and a sister who also came to America-- Louis Fleisfeder who was born April 10, 1890, Max Irving Fleisfeder who used October 10, 1892 as his birthdate, Hersch (later known as Harry), whose official birthdate was December 15, 1901, and Sylvia who was born in approximately 1906.
On December 1, 1919, Fruma arrived in New York Harbor on the ship La Touraine, declaring her intention, at entry, to become a United States Citizen. The ship’s manifest describes her as five feet five inches tall, with fair hair, blue eyes, and a fair complexion. The ship’s manifest states that she was, at that time, age 24. If that were correct, she would have been born in 1895.
Fruma (then going by Fanny) took up residence with her cousin Ethel (nee Ruchlin) and Ethel’s husband Samuel Steinberg, on 15^th Street, Brooklyn. Soon thereafter, Ethel gave birth to her first child, a daughter named Theresa. The 1920 census states that Fanny was Russian, didn’t speak English but, rather, spoke Hebrew, and worked as a milliner in a millinery store. The 1920 census also states that Fanny was age 25, which lines up with her being age 24 in the prior year’s ship manifest.
*******
Sam and Fanny married in Manhattan on January 24, 1925. Their marriage certificate (signed by each of them) identifies Sam as being age 32 (contradicting, by one year, his immigration records which would have placed him at age 33), and identifies Fanny as age 24, the same age that she had claimed to be six years prior, and also contradicting an immigration petition that she would file two decades in the future, which generally placed her birth year at the mid-point of 1893.
If Fanny’s immigration records (which included a petition with her signature on it) were correct, Fanny would also have been age 32 as of her marriage to Samuel, not age 24.
So did Fanny lie in her marriage certificate? Or did she lie in her immigration petition?
The marriage certificate identifies Sam as having been born in Kolomea, Austria, and his father being Abraham, and his mother being Rachel Katz. It identifies Fanny as having been born in Beltz, Russia, to a father named Isaac, and to a mother named Esther Rifkin.
The marriage certificate does not identify Fanny as having any profession, but identifies Sam as being a pocketbook maker.
Sam and Fannie were married at 125 E. 4^th Street, Manhattan, a six-story apartment building with retail units on the ground floor that is now an expensive co-op, with three-bedroom units selling for over $900,000. Present-day real estate advertisements alternatively state that the building was built in 1894, 1903, and 1905.
The first name of the rabbi who officiated was Harry. His surname starts with Reid, but the remaining letters of his signature are illegible. Rabbi Harry identified his residence as 232 Broome Street, which, at the time, was a four-story mixed use building that, among other things, housed Chevrah Ahavath Zedek Anshei Jaskinover.
Witnesses to the marriage were Mayer Budmon and Samuel Steinberg.
*******
Sam and Fanny’s existence was documented next in the 1925 New York State census by census. They were living at 205 S. 2^nd Street. Samuel was still working as a “pocketbook maker.” Fanny was identified as a “housewife.”
Fanny was identified as age 25. This was in accordance with her age as stated on her marriage certificate, but not in accordance with her immigration documents or the 1920 census.
Sam was identified as being age 28, which conflicted with all prior records.
*******
In 1930, the couple were again enumerated, this time in the Federal census. The enumerator, whose signature appears to be “Max Krahn” (or something like that) stated that he obtained the information on April 16, 1930.
Sam was identified as a “framer” of pocketbooks. He was identified as being 36 years of age, which conflicts by two years with the age that he provided to immigration authorities. Perhaps the enumerator was simply sloppy; Samuel was also incorrectly identified in the 1930 census as having been born in “Poland,” with parents who were both also born in “Poland,” notwithstanding other governmental records having identified him as being Austrian. The language he spoke? “Jewish,” according to the enumerator. Was that to mean Hebrew? Yiddish? Both?
Fannie was identified as age 30 (directly in conflict with the information she supplied in her immigration petition, which bears her signature) and as being “Russian,” with parents born in “Russia.” The 1930 census enumerator incorrectly wrote that her year of immigration was 1921. Fannie, too, was identified by the enumerator as speaking the “Jewish” language.
Although later records reflected that Sam and Fannie had a son named Irving who was born in 1926, Irving was not recorded in the 1930 census. Was he missed by the enumerator? Or was he a later-adopted son?
The couple also had a boarder, identified by the 1930 enumerator as one Esther “Larson,” age 40, born in Russia, and similarly a speaker of the “Jewish” language.
*******
The New York Birth Index identifies a baby boy, Robert Spiegel, as one of many babies having been born in the city on January 21, 1932.
*******
On May 21, 1936, Samuel committed suicide by hanging in the family residence, a tenement apartment located at 1168 Union Avenue, in the Bronx. Although, based upon the date of birth that Samuel used for official governmental purposes he was age 44, the death certificate stated that he was age 43.
Fannie engaged the Gordon Funeral Home to prepare him for burial.
Strangely, although Samuel’s headstone accurately identified him in Hebrew as Schmuel Spiegel, son of Avraham, it inexplicably incorrectly stated that he died at age 40.
Fannie of course knew her husband’s real age; both of them signed the marriage certificate that had Samuel’s correct age listed. Furthermore, Samuel had petitioned for citizenship in 1911, and stated that his date of birth was January 18, 1892.
Why would Fannie commission a headstone with a false age? Perhaps she, like her son, was a compulsive liar. Maybe that’s where Robert got it from.
*******
The 1940 census has Fannie (identified as age 38), Robert (identified as age 8), and Fannie’s son/Robert’s brother, Irving Spiegel, age 13, as living with Fannie’s 72-year-old mother, Esther Fleisfeder, at 1537 Fulton Avenue, in the Bronx. Fannie and Esther were identified as widows. Esther was identified as “U” (unable to work), while Fannie was identified as engaged in housework. No source of income for the family was identified.
No explanation is obvious regarding where Irving was living in the census taken a decade previously. Was he adopted?
There is no “Irving Spiegel” listed in the New York Birth Index for either 1926 or 1927. There is an “Irving Spiegal” listed, who was born April 29, 1926. But he is not Irving Spiegel.
I initially thought that perhaps Irving might be one of the unnamed Baby Boy Spiegels born in New York in 1926 or 1927, and that he left the hospital unnamed because his parents were waiting for his bris before naming him. However, Robert left the hospital with the name Robert. Why wait until the bris to name one child, but not the other?
*******
Slightly less than two years after she was enumerated in the 1940 census, Fannie’s mother Esther died, at home, at 1537 Fulton Avenue. The causes of death were “Coronary Thrombosis, Pulmonary Oedema Nephritis, Hypertension, Arteriosclerosis.” Esther left this world on February 6, 1942, the same day that the W. L. Steed was torpedoed, shelled and sunk less than a hundred nautical miles east of the mouth of Delaware River by a German submarine.
She was buried at Mount Moriah Cemetery in Fairview, New Jersey, the same cemetery where her son-in-law Samuel was interred.
*******
On November 12, 1943, Fannie, now residing at 1985 Bathgate Avenue, in the Bronx, petitioned for citizenship. She claimed, in that document bearing her signature, to be fifty years of age, meaning that if she was telling the truth, she would have been born in approximately 1893.
*******
On January 19, 1948, Robert (having assumed a false date of birth, that being January 18, 1931), enlisted in the New York National Guard. On paper, he had turned age 17 the day before his enlistment. In reality, he would be turning age 16 two days after his enlistment.
On December 9, 1949, Robert was discharged from the national guard, apparently for having been AWOL.
The discharge document identifies his address as being 1985 Bathgate Avenue, New York City.
*******
The 1950 census places Robert again at 1985 Bathgate Avenue, New York City. It correctly identifies him as age 18, and states that he worked as a shipping clerk for a newspaper company.
According to the 1950 census, Robert resided at the Bathgate Avenue address with his mother Fannie, who was purportedly still age 50 (seven years after she had previously claimed to immigration authorities to be age 50), and Robert’s brother Irving, age 24.
Irving was listed as unemployed and moreover, according to the census record, had not worked for the prior year. Fannie was employed full-time as a milliner in a hat factory.
*******
Military records reflect that Irving J. Spiegel, born in 1926 and a resident of 1985 Bathgate Avenue, who had completed two years of high school education, had flown bomber planes over Germany during the war. In his military documents, Irving described himself as single, with two dependents.
*******
On February 2, 1929, a baby girl given the name Aileen Beverly Leone Maxwell was born in Lucea, Hanover, Jamaica, to William Maxwell and Daisy (nee Tibbits) Maxwell. Her birth was registered by her parents.
*******
In 1954, Robert Spiegel and Aileen Maxwell were married in New York City. Their marriage license was given License No. 10284.
*******
The following year, the Kingston, Jamaica, Gleaner reported on June 6, 1955:
Miss Leonie Maxwell, daughter of Mr. and Mrs. W. J. Maxwell, was married recently in New York City to Mr. Robert Spiegel of the U.S.A. Both the bride and groom are students at the New York Institute of Dietetics. The bride left the island nearly two years ago for New York. Her wedding gown was chantilly lace and nylon tulle. The bodice was fashioned with a wide, scalloped neckline and elbow-length sleeves. Her three tier skirt of chantilly lace was over pleated nylon tulle. Her fingertip-length veil was adorned with pearls.
*******
If the claim regarding the couple studying at the New York Institute of Dietetics was even true, their studies at this institution didn’t last long. In May of 1956, a number of advertisements bearing Robert’s photograph appeared in the Kingston, Jamaica Gleaner. The advertisements described Robert as a psychologist, author, lecturer, and “practitioner in auto suggestion,” and identified him as “Dr. J. Robert Spiegel.” Readers were invited to come meet Robert on May 21, 1956, at Record Plaza, where he would be autographing his “latest” “world-wide” 33 and 1/3 RPM record, “How to Stop Smoking in 7 days by Auto-Suggestion.”
*******
On May 1, 1959, three residents of 1985 Bathgate Avenue, Bronx, New York, came through customs, having returned from a trip to Jamaica. They identified themselves as “Robert D. Spiegel” born in New York (in addition to giving himself a false middle initial, Robert neglected to complete the I-94-A fully, specifically by leaving his birthdate blank), “Leonie A. Spiegel” born in Jamaica on February 2, 1929, and their minor daughter, and “Sharon S. Spiegel,” born in New York. Someone also neglected to fully complete Sharon’s I-94-A, specifically by leaving her birthdate blank.
*******
Leonie had taken Sharon to Jamaica two years earlier. There are no publicly available records pertaining to their outbound transport from the United States to Jamaica. There is, however, a record pertaining to their return to the United States. That publicly available record does not provide their address, but Sharon is identified as weighing 1 stone 5 pounds (a total of 19 pounds), and Leonie is identified as weighing six stone 5 pounds (89 pounds). Interestingly, Leonie used the name “Aileen Spiegel,” and the records assert that Aileen has no middle initial. Aileen was / is her true legal first name, but it is a lie to say that she has no middle initial.
*******
Almost two years later, on January 5, 1958, the Kingston, Jamaica Gleaner reported:
Staying at the Tamarind Hotel are Mr. and Mrs. Bob Spiegel and daughter Sharon of Miami, Florida. Mrs. Spiegel is the former Leonie Maxwell, daughter of Mr. and Mrs. W. J. Maxwell of Lucea and has been in the United States for several years. A welcome party in their honour was given last Saturday night by Messers. Horrace, Ray, and Dennis Maxwell, brothers of Mrs. Spiegel. It was a very enjoyable affair.
*******
In 1963, roughly five years after their 1958 visit to Jamaica, Leonie petitioned for naturalization, in Louisiana. Although I am in possession of the index showing that she petitioned in 1963, I do not possess the petition itself. However, the fact that she petitioned for naturalization in Louisiana demonstrates that that at least she was residing in Louisiana at the time. Since she stated that she didn’t leave Robert’s side for over 40 years, presumably Robert, young Sharon, and also baby Michelle were living in Louisiana at that time.
*******
People who knew Robert personally relate that he stated that Leonie was a Cayman Island heiress. She wasn’t. Not only was she not born in the Cayman Islands, Leonie’s father’s estate was litigated (with the judge ruling against her) long before Robert started telling people that his wife was a Cayman Islands heiress.
Leonie’s father did leave an estate, but not to her. On November 9, 1967, the Gleaner reported that the Supreme Court had upheld the will of the late William Josiah Maxwell, the father of Horrace, Ray, Dennis, and Leonie, and the husband of Daisy Maxwell, who had contended that William’s signature was a forgery and that the person to whom his estate had been bequeathed had exercised undue influence. The court disagreed. The article reported:
The estate, which one of the executors described as “a sizeable one,” included 112 acres of land at Paradise and three houses at Lucea, Hanover.
*******
Robert apparently wasn’t banking on Leonie’s inheritance in any event. In May of 1966, advertisements appeared in the Houston Chronicle with Robert’s photo on them, selling a record that would purportedly assist people in stopping smoking in seven days. He identified himself as “Dr. J. Robert Spiegel.”
*******
On page 55 of the November 15, 1969, San Antonio, Texas Express and News, was an advertisement stating:
SCIENCE OF THE MIND
Dr. J. Robert Spiegel of Houston, director and founder of the Science of the Mind Foundation there, is conducting Sunday evening meetings at 7:30 p.m. in the Sheraton Inn, 1400 Austin Hwy.
*******
On page 4 of the July 10, 1970 edition of the Fort Worth Star-Telegram was a photograph of Robert, with a brief local news blurb:
GUEST – Dr. J Robert Spiegel of Houston, Science of Mind Foundation director, will speak at the 10:45 a.m. service tomorrow in First Church of Religious Science, 2001 6^th Ave. His subject is “What Religious Science Teaches.”
*******
On page 8 of the June 18, 1970 edition of the Houston Daily Cougar was this advertisement:
HOME OF UNIVERSAL LIFE
“Teaching Aquarian Meditation For The New Age
Meets Every Sunday, 11:00 A.M. At The World Trade Center Auditorium
Houston, Texas
DR. J. ROBERT SPIEGEL (BRAHMADANDA) DIRECTOR - FOUNDER
Aquarian Meditation Initiation for the first time offered through correspondence. For those sincere students wishing to bypass evolution and enter the 5th Kingdom. Initiation includes meditation technique, Mantra, how to "live” 24 hours a day, and much more. Write for application today:
P.O. Box 53328 Houston, Texas 052
*******
From the Galveston Daily News, May 02, 1971, Pg. 31:
AQUARIAN MEDITATION SOCIETY PRESENTS DR. J. ROBERT SPIEGEL AN AUTHOR, LECTURER, TEACHER OF YOGA & SELF DEVELOPMENT WILL SPEAK ON MAN, MIND & THE UNIVERSE WEDNESDAY, MAY 5th AT 7:30 P.M. IN THE RECREATION CENTER HARRIS COUNTY PARK, NASA RD. # 1 ALL WELCOME — DONATION $1.50
*******
The 1972 Spiritual Community Guide lists Robert twice, in the San Diego area. First, on page 117, using his alias “J. Robert Spiegel”:
THE TEMPLE OF METAPHYSICAL ABUNDANCE. J. Robert Spiegel, 1118 Torrey Pines Rd., 92037. Teaches yoga, nutrition, ESP, metaphysics, psychology, mind control
Second, on page 124, in which he, as one might have predicted, was masquerading as some sort of medical man or scholar:
"AQUARIAN MEDITATION SOCIETY, U. S. Grant Hotel, Attn: Dr. Robert Spiegel, 453-7588"
*******
Also in 1972, Volume 25 of San Diego Magazine published in November advertised gift certificates for the “Astrology Research Center.” “Give your loved one the gift of love. Only $50” said the advertisement. Where was this entity located? At 1118 Torrey Pines Road, the same address as Robert’s Temple of Metaphysical Abundance. The advertisement purported that person identified as “Lil Canaan” was the director. The telephone number was 459-6400.
In 2013, the San Diego Union Tribune published the obituary for Lillian Mulonas, who founded the La Jolla “Astrology Research Center.” At this point in time, unless Robert Adams’ only surviving daughter, Michelle/ Prentiss/ Avantae knows the answer and talks, we will not know what relationship, if any, existed between Robert’s Temple of Metaphysical Abundance and Lilian’s Astrology Research Center, both of which were located at 1118 Torrey Pines Road in 1972.
*******
From the July 12, 1973, San Diego Reader:
BRAHMADANDA FOUNDATION
“Teachings of the Cosmic Way” meets Sundays, 11:00 a.m., U.S. Grant Hotel, Crystal Room. Free admission, refreshments served. Call 453-7588 for more information.
*******
On page 51 of the June 29, 1974 edition of Phoenix’s Arizona Republic was the following advertisement:
Speaker from San Diego
Dr. J. Robert Spiegel from San Diego, a traveler and lecturer, will speak at 8 p.m., Friday in Universal Series Center, 4340 N. Seventh Ave., on the topic “Science of Being.”
He is the founder of the “Aquarian Meditation Society” in Jamaica and is founder and publisher of “Equinox,” a philosophical newspaper.
*******
The family (Adams or Spiegel, however one might want to refer to them) have resided in (that I know of) New York, Miami, Jamaica, Louisiana, La Jolla, Los Angeles, Houston, New Mexico, Hawaii, Las Vegas, Scottsdale, Sedona, and a number of cities in North Carolina.
*******
In at least the 1990’s, before he left for Sedona, Robert Adams used the address PO Box 7210, Jordan Avenue, D-30, Canoga Park, CA. He used that address on correspondence he wrote, and on at least one published document. Who else used that address? The data aggregators show that this address was also used by a Michelle K. Spiegel, and a person going by the name Leonie Maxwell. Michelle and Leonie also used other addresses associated with Robert, those being 1815 Willis Avenue Panorama City, and 21551 Burbank Boulevard, Woodland Hills.
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The California Birth Index shows that Michelle K. Spiegel was born on October 1, 1960, in Los Angeles County, to a mother with the maiden name Maxwell.
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In later life, Michelle used the addresses above that are associated with Robert and Leonie, as well as an address of 12004 Vanowen Street #14, North Hollywood. This is the same address at which Denniston Keith Maxwell, one of Leonie’s younger brothers, resided at, after his immigration to the United States. Denniston was one of Michelle’s uncles.
In a recent Facebook posting, Michelle/Avantae stated: “Never knew anything personal about said uncles, etc. Never asked, never cared.” Really? She shared an address with an uncle? Her uncle lived within a few minutes’ drive from her parents, and Michelle/Avantae never knew anything about him?
As an aside, Michelle/Avantae alleged (or admitted) that she “never cared” about anything personal regarding her uncles. If that is true, what does that tell us about Michelle/Avantae’s fundamental character? Antisocial? Psychopathic? Narcissistic in the extreme?
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On August 2, 1996, Michelle, going by the name Avantae E. Deven, married Tyson Ruben Alvarez in Las Vegas. The two had addresses in common in Arizona, Nevada, and Montana.
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Robert “Adams” died on or about March 2, 1997, in Sedona, Arizona.
Shortly after that, in the spring of 1997, “Nicole Adams” and “Avantae Deven” (both aliases; the correct legal names are Aileen Beverly Leonie Spiegel and Michelle K. Spiegel) purchased a home together in Sedona, on Navahopi Road. Shortly after the purchase, “Nicole” quit-claimed her portion to “Avantae.”
On July 17, 2001, Tyson, still married to “Avantae,” quit-claimed any interest in the Navahopi property to “Avantae,” and had the county recorder send the deed to “Avantae” in care of the Infinity Institute, at that time located at 9101 W. Sahara Ave. Suite 105 C29 (in other words, a private post box), in Las Vegas.
Avantae divorced Tyson in 2006. She had, by then, moved to North Carolina. She “served” Tyson via publication summons, claiming that she was unable to find him, despite his information being on multiple data aggregators.
You can go to various Facebook groups, and other sources, to pull up the documents that people have uncovered showing who is associated with the "Infinity Institute," and in what fashion, and also the addresses that they have used over the years.
In any event, this is the information regarding Robert that I think that people need to be aware of.
Why turn to a known liar and con man for spiritual guidance?
1A tallis is a prayer shawl.
2The ship’s manifest states that he was age 14, which conflicts by one year with what Samuel identified as his date of birth. These errors are not uncommon; his fare could have been purchased when he was age 14 and the records not updated.

But I like it!
We have only now just emerged from the absolute frenzied chaos of having two young toddlers and now that they are 3 and 5, life seems a bit more manageable again. We have only recently come up for air.
Perhaps we had just become so accustomed to caring for our needs and wants last that we, or I, rather have put any type of self care or indulgence completely on the backburner and just put my head down and worked my butt off the past two years to get to an SVP role at my company, and my husband is also very successful in his role, and we have a fortunately substantial combined income.
So who has my husband been talking to after he came to me Sunday morning and told me to clear out my schedule for Tuesday afternoon for a NO LIMIT shopping trip for a handbag….or two?! To reference, I used to love allll the bags, I collected my fair share of Chanel flaps and Loewe and Celine bags in my 20s and 30s, and now in my early 40s I have grown very comfortable (perhaps too comfortable…?) using my Amazon prime grocery delivery bags and lululemon fanny packs as my go tos.
“NO MORE,” he said, “let’s get you a special bag that makes YOU feel as special as you are to us.” (For reference this man has never once uttered words remotely in this universe)
So now, as a new-ish member of the Reddit community, I’d love to ask you who are FAR more in the know about where to even begin and which bag should we look out for tomorrow?! I don’t need anything flashy or something that screams “I cost more than 6 months of a mortgage” but if it ends up costing that much for the quality and durability of something that’s worth the price, it will be considered! I want something beautiful, I think people are calling it “quiet luxury” these days and will last forever, and something I can pass on to my daughter that will be timeless in 20-something years. Any recommendations?
Thank you. Momma is excited!! And thank you in case my husband has asked this community for the idea to begin with!

Hi all - I’ve recently run into an issue with the condo I live in. Wasn’t sure if anyone else has experienced this in the post-Florida-condo-collapse that led to these stricter rules. I’m going to copy and paste a portion of an email I sent to my lender to see if she knew anything (sorry for length but without context I feel like this issue doesn’t make sense):
We learned recently that we are on the ineligible for funding list for Fannie Mae/Freddie Mac. It was very difficult to even learn why we are on this list as Fannie Mae will not tell us anything and they say we have to work with a lender. We kept hearing random pieces of information from people trying to sell their units, but a lot of it seemed to be just rumors (for example someone said that our roof was an issue but the roof was replaced several years ago and has a 30 year warranty so this can't be the case).
A fellow Council member was finally able to speak to her lender and she said that the main issue seems to be the way our Council President answered some questions about our balconies. We believe there has been a misunderstanding/misreading of our documentation and we would like to correct the record and have our building re-evaluated for funding but we do not know how to do this. Fannie Mae keeps telling us only a lender can submit these updated documents. Essentially, when our reserve study was done a few years ago it identified that some balconies needed repair. None of these were urgent, the study just recommended we replace them over time as funds permit. As a follow up to this, we had a balcony study done and we identified the most urgent, medium urgency, and least urgent balconies for repair, and we put together a tiered repair plan where a few would get done each year. We have stuck to this plan and we are currently on schedule for what was supposed to be completed by 2024. It will take a few years to finish them all, but this is all in line with the plans. None of the balconies were rated unsafe/unusable and at this time all residents are permitted to use their balconies. It is also worth noting that the balconies are not attached to the core structure of the building, so even if a balcony were to become unusable, it would not impact any other part of the building or present any structural dangers. When our Council President filled out the condo questionnaire recently, in the section where they ask about structural deficiencies , she checked yes - since it is noted in the reserve study and since we did a whole separate study on them and we include all of those documents as part of the resale file, she felt yes was the right answer because anyone who reads those documents can see the situation. In the follow up question that asks when the repairs will be completed, she wrote "as funds permit," which again is the recommendation that was made to us (but we do set money aside each year to do a few, it isn't as though we are just waiting for years where we have extra funds). Apparently this has set off the Fannie Mae system because they think that a) we have a true structural deficiency and b) that we are not currently repairing it because we don't have the money. This is not the case for either point, but we do not know the right way to rectify the situation or provide additional clarity and context to the documents and have our information re-reviewed.

Hi all - I’ve recently run into an issue with the condo I live in. Wasn’t sure if anyone else has experienced this in the post-Florida-condo-collapse that led to these stricter rules. I’m going to copy and paste a portion of an email I sent to my lender to see if she knew anything (sorry for length but without context I feel like this issue doesn’t make sense):
We learned recently that we are on the ineligible for funding list for Fannie Mae/Freddie Mac. It was very difficult to even learn why we are on this list as Fannie Mae will not tell us anything and they say we have to work with a lender. We kept hearing random pieces of information from people trying to sell their units, but a lot of it seemed to be just rumors (for example someone said that our roof was an issue but the roof was replaced several years ago and has a 30 year warranty so this can't be the case).
A fellow Council member was finally able to speak to her lender and she said that the main issue seems to be the way our Council President answered some questions about our balconies. We believe there has been a misunderstanding/misreading of our documentation and we would like to correct the record and have our building re-evaluated for funding but we do not know how to do this. Fannie Mae keeps telling us only a lender can submit these updated documents. Essentially, when our reserve study was done a few years ago it identified that some balconies needed repair. None of these were urgent, the study just recommended we replace them over time as funds permit. As a follow up to this, we had a balcony study done and we identified the most urgent, medium urgency, and least urgent balconies for repair, and we put together a tiered repair plan where a few would get done each year. We have stuck to this plan and we are currently on schedule for what was supposed to be completed by 2024. It will take a few years to finish them all, but this is all in line with the plans. None of the balconies were rated unsafe/unusable and at this time all residents are permitted to use their balconies. It is also worth noting that the balconies are not attached to the core structure of the building, so even if a balcony were to become unusable, it would not impact any other part of the building or present any structural dangers. When our Council President filled out the condo questionnaire recently, in the section where they ask about structural deficiencies , she checked yes - since it is noted in the reserve study and since we did a whole separate study on them and we include all of those documents as part of the resale file, she felt yes was the right answer because anyone who reads those documents can see the situation. In the follow up question that asks when the repairs will be completed, she wrote "as funds permit," which again is the recommendation that was made to us (but we do set money aside each year to do a few, it isn't as though we are just waiting for years where we have extra funds). Apparently this has set off the Fannie Mae system because they think that a) we have a true structural deficiency and b) that we are not currently repairing it because we don't have the money. This is not the case for either point, but we do not know the right way to rectify the situation or provide additional clarity and context to the documents and have our information re-reviewed.

My wife and I are under contract to buy a new home. I'm fully pre-approved for a home roughly 400,000 without selling my current home that I own outright.
On initial discussions with the loan officer I told them I was going to purchase this home, put my home on the market, and then roll my estimated $200,000 from the sale of my current home into the new loan and then likely recast.
We have been talking about this for a month with my banker, when I made them verify the planwotj their manager, they now will no longer allow me to do this for at least 6 months. They are cutting my financing unless I promise to not prepay because they will likely get hit with a $10,000 fine. They didn't realize this issue until today.
My questions are : is this going to be an issue with every bank out there, or just this one I have been working with (I am already talking to another banker).
And, is this legal? Assuming they are financing it with Fannie mae they have to promise to not penalize for prepayment (as I understand it) and are using a secondary tool to try to skirt it.
I'm also interested in other ideas. With a 7% interest rate on this loan, I don't love the idea of just sitting on this as cash for 6 months, cds only are paying less than 5% here, and I would also have to pay taxes on that interest.

I'm headed into my junior year studying aerospace engineering at Penn State and need private loans for my last 2 years. So far I've gotten by on FAFSA and other random scholarships, not paying anything out of pocket. My first 2 years were a lot cheaper being at a satellite campus, but I have to finish my degree at the main campus which costs a lot more. I currently work part time, and expect to get even more from FAFSA since It's based off my part-time income now because I'm 23. My off-campus housing alone will cost over $10,000 for the year, and I'm not sure yet how much I'll get in federal loans. Working more or switching schools is not an option for me. My credit score is 740 with a history of 4.5 years. I will not have a cosigner. I need to know which student loans are the best, I've only heard bad things about Sallie Mae.

I guess the only real answer is cash only but any building taller than 2 stories needs a completed milestone report. Everything is done on ours and signed off on but Fannie Mae is dragging this out because out of state lenders don’t understand the report. We have a fully approved buyer, other than this. Anyone else know a way to proceed?

Located at 9 Ultra Way in Poughkeepsie, Violet Estates is an 84-unit multifamily property designed for renters aged 55 and above. Reynolds Asset Management, owned by Louis Reynolds, manages this property which recently underwent refinancing. Walker & Dunlop, led by Allan Edelson, provided a $19.5 million Fannie Mae loan for the refinancing of Violet Estates.

Summary of transaction details:

• Property Type: Multifamily
• Transaction Amount: $19,500,000
• Address: 9 Ultra Way
• Market: Poughkeepsie
• Lender: Walker & Dunlop - Allan Edelson
• Landlord: Louis Reynolds - Reynolds Asset Management

The $19.5 million Fannie Mae loan was secured by Reynolds Asset Management, a New Jersey-based investment firm. Violet Estates, the 84-unit multifamily property in Poughkeepsie, continues to cater to the specific demographic of renters aged 55 and above, following the successful refinancing deal facilitated by Walker & Dunlop.
Learn More: Reynolds Asset Management Refinances Violet Estates With $19.5M Fannie Mae Loan

Friday, May 10 Good morning! The Dow saw its seventh straight day of gains as the S&P 500 saw the other side of 5,200 for the first time in a month, finishing Thursday up 0.5% at 5,214. Jobless claims rise: Thursday's weekly jobless claims data showed filings spike unexpectedly, adding to the April jobs report's evidence that the labor market is cooling off. With investors hoping this leads to moderating inflation and a 2024 rate hike, investors celebrated, taking the S&P 500 back above 5,200 and turning the one-month chart into a "U" shape. ‌
Sentiment check: The University of Michigan's consumer sentiment numbers mark Friday's lone economic release of note, but the number we're watching closest isn't its key optimism/pessimism metric. Instead, we're focused on where the survey's respondents see inflation in 12 months. Last time out, consumers judged inflation was getting the better of the Fed, as April's reading jumped to 3.2% from March's 2.9%. ‌ Mortgage rates fall: Mortgage rates finally fell for the first time in five weeks. For anyone trying to buy a house, this is cold comfort: The average rate on a 30-year fixed is still well over 7% on average. And for Fannie Mae's revised year-end mortgage forecast of 6.4% to materialize, homebuyers would need to see the Fed cut rates twice. ‌
Broadening rally: Tech may be responsible for the broad shape of the year's stock market rally, but Thursday saw a few lagging sectors take up the mantle. The unloved Real Estate sector got a boost from the falling mortgage rates and the "catch-up" trade our Josh Schafer wrote about yesterday continued to push Utilities higher. Meanwhile, the Technology and Communications Services sectors took their turn lagging the broader index. ‌
"Bumpy" is back: San Francisco Fed president Mary Daly brought back Fed Chair Jay Powell's go-to phrase, noting that "inflation is going to be a bumpy ride." In his last few appearances, Powell had conceded that the mostly unidirectional inflation data this year had shown the Fed's progress stalling. But two labor market reports in a row have shown a contrast to April's streak of hot data. Just in time for next week's all-important April CPI reading. What we're watching Morning Brief is written and edited by Ethan Wolff-Mann. For the web version, click here. Follow all the action throughout the day on Yahoo Finance and on the Yahoo Finance app. Big banks complete climate analysis for Fed while Powell tries to avoid becoming climate policymaker. ‌ 'A whole generation of hardcore Bud Light shoppers' may be lost. ‌ Real estate brokerages seek final approval of landmark settlements with homebuyers. ‌ Disney, Warner Bros. try to 'follow the consumer' with yet another streaming bundle. ‌ The big battle over whether to snatch Russia’s billions. ‌ Reddit is maturing as a company, CEO says.‌ What marijuana reclassification means for the US cannabis industry. What we're reading AD • SPONSORED BY SMART ASSET7 Mistakes People Make When Hiring a Financial AdvisorWorking with a financial advisor can be a crucial part of any healthy retirement plan. But choosing the wrong one could wreak havoc. Avoid these 7 mistakes when hiring one. See the list.
Today's Takeaway is by Julie Hyman, Anchor. ‌ Shares of Roblox plunged yesterday after the gaming platform company gave disappointing bookings guidance. ‌ You’d never know Roblox isn’t doing well in my house. My teenager — and especially my tweenager — bounce around between games like Blox Fruits and Pet Simulator X. My younger son’s birthday presents mostly consisted of a stack of gift cards for Robux (in-game currency), although they might have been evenly split with V-Bucks (for Epic Games-owned Fortnite). ‌ On the other hand, the majority of people reading this are about to google “what is Roblox,” as they do every quarter, before forgetting. (It’s an online gaming platform where users can build and play games.) ‌
Roblox (RBLX) only came public in 2021, and its stock has fallen from a high above $130 a share in November of that year to around $30 now. That’s as its annual sales growth rate has moderated into the mid-twenties percentage range. ‌ It feels like the jury’s still out on whether the Roblox craze ends up being a flash in the pan or a lasting trend. It’s tempting as an investor to buy what you know, as Warren Buffett has famously said. And when it comes to trends that we interact with, see, and judge on a regular basis, we develop opinions. ‌ But what if the trend you know ends up being just a fad? ‌ There are a few high-profile examples as of late. Take Peloton (PTON), that pandemic-era darling that may be going the way of Jazzercise or Tae Bo (Google it, kids). That stock’s collapse makes Roblox’s look like a gentle slide — from a closing high of $162.72 two days before Christmas 2020 to just above $4 now — a slump of 97%.
There’s a good business in there somewhere, as we’ve written in this newsletter, but somewhere the order of magnitude got misunderstood. ‌ Or consider Beyond Meat (BYND), whose shares have fallen by about the same amount since the record it set during the height of grilling season 2019. The plant-based meat maker’s stock tumbled yesterday after it posted its eighth straight quarter of declining year-over-year sales. ‌ Counterbalancing the expensive stationary bike now acting as a clothes hanger, or the glut of faux meat in the grocery freezer, are the initially questionable propositions that ended up becoming integrated into our lives. ‌
The once-ridiculed AirPods. Uber, which faced resistance from taxi drivers and riders alike — not to mention outrage over revelations that it was tracking users after they exited vehicles. Or Airbnb — you want to rent your house out to strangers? ‌ Discerning a fad from a more permanent fixture of our economy looks like a zero-sum game. And with 20/20 hindsight, you can see why stuff worked. Apple forced the adoption by giving its users an ultimatum: Cut the cord or get an Android. Uber used a VC war chest to subsidize its way into adoption, aided by a good idea users liked and actually found useful. Airbnb ended up spurring a new kind of real estate investing for the supply side and a smoother experience than renting a house or apartment for the demand side. ‌ And sure, Peloton can bump along with its core user base. I still buy Beyond Meat burgers on occasion. The companies remain going concerns. But for investors, either the trend hits sustainably or it might as well not hit at all. ‌ So check back with me in a few years to see if Robux is still on the gift list — or if the next generation of kids has sustainably replaced mine playing Adopt Me or one of the other tens of millions of games on the Roblox platform. Why trends are so intoxicating for investors — and dangerous
Weekly unemployment claims hit their highest level in nine months last week, surprising Wall Street and adding to signs that a red-hot labor market to start 2024 may be cooling. ‌ Initial weekly jobless claims hit 233,000 in the week ending May 4, the highest level since August 2023 and well above the 212,000 economists had expected, per Bloomberg data. ‌ But given claims have been low for much of the year, including in recent weeks, economists were hesitant to overreact to one week of data in a historically volatile series of economic data. Chart of the day
"We do not think that this is necessarily a sign of rapidly deteriorating conditions in the labor market," Jefferies US economist Tom Simons, who had been projecting a labor market slowdown at some point this year, wrote in a research note following the report. ‌ He added, "The prints of the previous two weeks were the lowest for initial claims since mid-February, and claims remain locked in an improbably tight range for the last few weeks in the interim. They were bound to break at some point." ‌ Oxford Economics lead US economist Nancy Vanden Houten said that given the surprise uptick, it will be important to follow the data series in the weeks ahead. ‌
"If the higher level of claims persists or if claims rise further, it would be a sign of a further loosening in labor market conditions," Vanden Houten wrote in a note following the release. "However, one week of data doesn't change our call for the Fed to keep interest rates at current levels until September." ‌ — Josh Schafer, Markets Reporter

Looking for referrals for lenders for NC (close in 30 days). I have 2 properties($300k ish), that needs work(not major - $25k of work) and Intent is to rehab and rent. I can meet downpayment requirements and have documented income. Would be ideal, if property can be titled to an LLC. Can do 1 loan, that is Fannie/freddie, but not both. Can do cash purchase of one, but would ideally like to borrow, so can do both deals at the same time . Experienced landlord for over 15 years.
Thanks in advance for the help.

Just got approved for USB Cash+ today with $4k CL. I'm 30 with $80k income.
I'm in a rebuild phase. My main credit issue was under COVID I had all 3 of my cards closed for nonpayment. I eventually paid them off but I've been rebuilding. I also missed a few student loan payments (Sallie Mae) but that account never got worse than late status.
It looks like they only pulled TU (I live in Utah). My Fico 8 (Experian app) is 714.
AAOC: 5 years, 3 months Oldest account: 11 years, 7 months
INQUIRIES: 1/6, 2/12, 3/24
CURRENT CARDS (6% utilization): -C1 Quicksilver: $1250 CL, opened 2/16/2022 -Citi Secured: 2500 CL, opened 4/20/2022 -Synchrony Amazon Secured: $1000 CL, opened 5/4/2022 -C1 Walmart: $1500 CL, opened 6/4/2022 -WF Active Cash: $5000 CL, opened 8/1/2023 -Citi Custom Cash: $11,400 CL, opened 1/31/2024 -and now the USB Cash+ for $4k
I have checking accounts with Chase and WF.
CURRENT PLAN: eventually upgrade Citi Secured to a Costco Visa (no SUB for that card), get Chase FF while 5/24 is low (sadly the SUB got nerfed for gas), get Bilt for rent, get Amazon Visa for better Amazon rewards. Maybe a Verizon Visa too since those seem pretty easy to qualify for and then I get points plus the auto-pay discount.
My rebuild is going pretty well tbh. Lemme know if ye'all have questions.