All I'm doing to pay for it is selling my daily after making it presentable. And selling another I bought not long ago for the purpose of flipping. I've never been in debt other than right now and a couple ER bills. It's a good friend who lent me the money, not some bank. I think I'm doing pretty alright in regards to what you bring up.
However it's going to be interesting whenever I try to buy a house because I have zero credit. My plan is to establish a relationship with a local bank/credit union wherever I decide I want to buy and have them make a personal assessment that disregards all the big BS credit institutions. There is a term for the type of assessment that escapes me.
Edit: Manual Underwriting. That's the term.
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