The question
Can I make this move without going backwards?
Income gaps and lending don't mix. Sequence matters more than courage.
What we know
Pulled from My Stuff. Nothing is re-asked.
Nothing on file yet that bears on this decision. You can still work it through here — or add a few things in My Stuff so every future decision starts warmer.
What we still need
Only the things that genuinely move the answer. Approximate is fine — leave anything blank and it stays a stated assumption, never an invented number.
Stated assumptions
- Assuming monthly must-pay total not provided.
- Assuming cash reserve not provided.
- Assuming what's next not provided.
- Assuming benefits you'd lose not provided.
CredABLE won't turn these into an authoritative-looking figure. Where a number decides the answer, it will say so and ask.
Options
Real alternatives. Very few of these decisions are actually yes or no.
Leave once the next thing is signed
Lowest risk version.
Leave with a funded gap
Works with a real number of months banked.
Stay and set things up first
Borrow, refinance or open credit while employed.
Reduce hours or negotiate first
Sometimes gets most of what you want.
Impact
What CredABLE will compare the options on.
What changes the answer
Assumptions that can flip the recommendation, stated up front.
- Anything you plan to borrow. Do it while the paycheck exists.
- Health coverage cost during the gap.
- Whether income after this is W-2 or self-employed — lenders count them very differently.
CredABLE's take
A clear read on your version of this, plus the next move.
You'll get one interpretation, not a shrug — and every assumption behind a number will be written in front of it.
Save this scenario
Come back to it, or compare it against another.
Examples: “$650k house”, “Pay off cards”, “HELOC option”, “Investment property #1”.