Priority #1 progress - a new roommate?

Things are moving quickly in several different directions.

I called about a conversion van and was told I would probably need at least 50% down if I wanted financing.  That would mean using up all my spare cash.  I'm not sure I want to do that.

I posted an ad on Craig's List looking for a roommate and have only received scam emails from foreign countries.

There was an ad on Craig's List for a roommate near where I work.  I met the fellow, and he said he wold email me the credit report application.  Hopefully, I will pass that.  That will give me a room (a pretty large room) within 4 miles of work, saving me 51 miles of driving per day.  Instead of buying 2-3 tanks of gas, I will only have to buy 1 take every 3 weeks or so.  That means I can put all the money from my extra jobs to buy what I need for business.  We shall see.

Priority #1 progress - denied a mortgage

Unfortunately, it turns out one has to wait at least 2 years, and possibly up to 7, after a bankruptcy to even be considered for a mortgage.  That gets eliminated from my list.  What do I have left?


So, what are the options for sleeping:
1)  Getting an apartment
3)  Sleeping in a van
4)  Become someone's roommate.
5)  Find a live-in job
6)  Get a large business space and live out of that

It might be impossible to get an apartment, too, because they do a credit check first.  While I am leaning toward buying a van right now, I should try to find an apartment.

I'm going to need to do that outside of Craig's List because I keep getting scammers.

Milton Berle quote

"If opportunity doesn't knock, build a door."
--Milton Berle

Something Accomplished!

Well, a minor goal has been accomplished.  I have finally cleaned up my emails.  I discovered there was stuff out there from a year ago.  Ouch.  Anyhow, it is now all cleaned and organized.  Now I need to figure out a few things to do while waiting to go to Freedom Financial Services to talk about a mortgage.

Priority #1 progress - applying for a mortgage

In an effort to get Priority #1: Finding a Place to Sleep moving, I checked on a locally advertised company, Freedom Financial Services.  They open at 10 a.m. in the Chapel Hills Mall, so I am going to go down there and see if there is anything they can do.  They have something called a nonconforming loan, which their website says could be the ticket for people with less-than-good credit.  Hey, if I come away from today knowing my credit is just too bad to get a home loan, I can at least eliminate this option from my list.

New year, new commitment

With the new year I have to bring a new commitment to the things I wish to accomplish.  Right now, the thing that seems to be hampering me most is not having a home.  So, I need to come up with a plan to find some place to sleep, and I am going to use this blog to help me organize my thoughts.

So, what are the options for sleeping:
1)  Getting an apartment
2)  Buying a house
3)  Sleeping in a van
4)  Become someone's roommate.
5)  Find a live-in job
6)  Get a large business space and live out of that

If these are my 4 options, what are the steps I need take:
1)  Fix credit rating
2)  Get pre-approved for a home loan
3)  Look at vans
4)  Find a roommate
5)  Locate potential business spaces
6)  Apply for jobs

As I have been writing this, things have altered quite a bit.  I have thought of two other ways to have a place to sleep and added those.  In my mind, I am thinking the order will be something like this:  Get started on the pre-approval.  While that is processing, look for a live-in job and a large business space.  I can also start fixing my credit rating.  If the loan is not approved and I am unable to find a live-in job or an appropriately priced business space, I will buy a van to live in.  In the event there is no appropriate van for sale, I will have to look for a roommate situation as a last resort.

No matter what the order, finding a place to sleep, and possibly live, is my current #1 priority.  Everything else takes a back seat for now.

Target quote

"We all yearn for something, and that something . . . is the other sock."
--Target commercial