Wow, big decisions, be careful actually using any advice you get in the coming days, it will vary from spam and ammo to buy another condo, especially ignore my advice.

Don’t throw 40k at saving your credit, that’s my least favorite, either buy now then let tempe go or pay it off, have it be gravy money for the rest of your life and go fha on your 500k house, and keep the part time job for 90k, stay with two kids that’s enough, once you go to three it complicates vehicle purchases because most convertables only have two seatbelts in the back, hey you asked! Oh and the free meal with each paying adult deals, another reason to stand pat at two, did you not get a girl? If that’s the reason you might end up with a basketball team before you get to have the experience of both. You’ve got a lot on your plate, give the reproduction urge a rest for a bit.

What about a loan mod, I have a buddy that got one on his rental, he only bought himself a few years but the mod made him rent neutral till about 2012.

Or there is another option, come up to my hood, to the land of the dirt people, endure the heat, make babies until your uterus falls out, pay 300 for a 5 br, have a mort of 125k tops, live on one income and live well, buy a nissan leaf next year with 368 mpg and you are all set. Why do you think we have like 9 mormom churches here, this place was made for you. I’m kiddng and i apologize, I’ll put myself to bed now, but seriously, the first few paragraphs were somewhat sound advice and there’s nothing wrong with Ramona, decent folk.