Information is deemed reliable but not guaranteed. built in N/A 3 beds 1 baths pre-recorded messages, text, and/or automatic telephone dialing system; and The pet-friendly community includes resort-style amenities for the furry-family members to enjoy as well including a dog park and pet spa & grooming studio! For Sale: 799900 - Residential, 4 bed, 4 bath, 3,476 sqft at 12261 Broady Gln Lane in Hardin Valley. Privacy Policy. time before you purchase it, meaning that you get to know the house, To schedule a viewing of the property please call our office at 865-247-0027 or use our automated system at 865-999-0356. Kitchen offers a bar top, breakfast area, tile backsplash, stainless refrigerator, range/oven, and dishwasher, microwave and disposal. 2 beds 1 bath 1239 sqft House for sale, 3 beds 2 baths 2214 sqft House for sale, 3 beds 3 baths 3300 sqft House for sale, 4 beds 3 baths 2000 sqft House for sale, 3 beds 2 baths 2500 sqft House for sale, 2 beds 2 baths 1550 sqft House for sale, 3 beds 2 baths 2372 sqft House for sale. MLS # Plenty of shops, restaurants, a cinema and a host of other conveniences are close by in the Turkey Creek shopping & entertainment complex; the Overlook at Farragut is also accessible by foot or bicycle to the Grigsby Chapel Greenway and Parkside Greenway in Farragut, each providing 2 plus miles of asphalt trail. Hardin County, TN Rent To Own Homes Veterans: See if you meet the requirements for a $0 down VA Home Loan. 10105 Hardin Valley Rd, Knoxville, TN 37932. Information is deemed reliable but not guaranteed. Brokerage services provided by TPH ZeroDown Brokerage, Inc. in CA, TPH ZeroDown Brokerage TX LLC in TX, and TPH ZeroDown Brokerage LLC in all other states. No smoking. Cedar Bluff Middle By clicking "Continue" I agree to: (1) be contacted by Oversized storage garages available Currently zoned for Cedar Bluff & Hardin Valley Schools. Copyright 2023 RentToOwn.org. We are not responsible for changes in zoning or inaccurate information. About the ratings: GreatSchools ratings are based on a comparison of test results for all schools in the state. Disclaimer: School information listed is deemed reliable but not guaranteed. Convenient Location!! housing authority of cook county rent increase. about this property and to present credit related offers by phone, including 1430 Truxtun Ave, 5th Floor Bakersfield, CA 93301. or Ovation Credit Services, Inc., a LendingTree company, about credit repair In addition to the astounding amenities, residents will enjoy hassle-free living knowing the community is professionally managed by VRG with the Service Team on-call 24-7. The information on each listing is furnished by the owner and deemed reliable to the best of his/her knowledge, but should be verified by the purchaser. Whether you have bad credit and need time to repair your scores or simply can't afford a large down payment on a traditional home sale, renting to own allows you to rebuild your credit, save money, and build equity all while living in the home you'll eventually own. Accepting Offers. We hope RentOwn rates highly in your Hardin rent to own search and please let us know if we can improve our website in any way RentOwn.net only uses bona fide pictures of our Hardin houses, ensuring you find the right home as soon as possible. a homeowner, including in Hardin, MO. (4) RentToOwn.org's (washer and dryer to stay for tenant use) The second level offers a large on-suite with walk-in closet, additional storage. We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. To schedule a viewing of the property please call our office at 865-247-0027 or use our automated system at 865-999-0356. Professionally managed by Asset Realty Management, Inc. This fee is usually non-refundable if the tenant decides not to purchase the property. Universal at Town Creek700 Town Creek Pkwy, Lenoir City, TN 37771. All information provided is deemed reliable but is not guaranteed by SABOR and should be independently verified. Of these, 1,515 have children and 2,728 are without children. Move in special for Dec. $300.00 off first months rent and application fee waived! Our database of rental homes and rent-to-own houses in Hardin, TX is regularly updated with a variety of single-family homes, condos, townhomes, and more to suit your needs. Let's find a home loan for it. Additionally, the Sharp's Ridge is built with new and traditional soundproofing concepts resulting in superior sound isolation between adjacent units not seen in typical multi-family construction. Homes.com is operated by Ten-X. 12-Month Lease | $60-Application Fee Median rent data is currently unavailable. Looks like you're new here. Real estate listings held by brokerage firms other than this site owner are marked with the IDX/MLS logo. The Overlook at Farragut brings a whole new meaning to luxury & resort-style living! Hardin Valley Academy Living at Waterstone elevates the details of daily life. Spacious kitchen with SS appliances. information and experience. Save your search filters with the Get Alerts button to receive the freshest house recommendations as they come on-market. Save your search and be the first to know. This spacious apartment features high-end finishes such as sleek stainless steel appliances, solid maple wood cabinetry, elegant granite counter-tops in the kitchen & bathrooms, 9ft ceilings & more. Prequalify today. Treat yourself with hardwood style flooring, stainless steel (energy-efficient) appliances, beautiful granite counter-tops, new modern lighting decor and more! RentOwn.net's full access database facilitates direct communication with Hardin property sellers making your rent to own experience that much easier. VIVA BROKER DE ASIGURARE / st george grenada real estate / rent to own homes in hardin valley. Whether you have bad credit and need time to repair your scores or simply can't afford a large down payment on a traditional home sale, renting to own allows you to rebuild your credit, save money, and build equity all while living in the home you'll eventually own. In addition to Hardin, MO rent-to-own homes, you can expect to find other sale types, including for sale by owner (FSBO) homes, sherriff sales, REO foreclosures, and pre-foreclosures. Disclaimer: School attendance zone boundaries are supplied by Pitney Bowes and are subject to change. Rent To Own homes in Hardin County, Ohio Find a great Rent To Own deal in Hardin County, Ohio. Hardin, MO 64035 Single Family Home 2304 Union Pointe Ln, Knoxville, TN 37932, 8608 Eagle Pointe Dr, Knoxville, TN 37931. Main Menu. For more information about this property and other available rental properties, please visit our website at www.apexknox.com. best 12v battery for camping. The information included in this listing is provided by SABOR exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Finding affordable Hardin, TX rent-to-own homes has never been easier! snoopy happy dance emoji 8959 norma pl west hollywood ca 90069 8959 norma pl west hollywood ca 90069 Kite Rd, Saint Paris, OH 43072 $297 /mo Rent to Own View Details $1,334 /mo Rent to Own 4 Bd | 2 Bath | 2,215 Sqft View Details $2,201 /mo Rent to Own 5 Bd | 5 Bath | 6,720 Sqft View Details One, two, and three bedroom apartments Heated/cooled interior storage, 2 HVAC, and basement rec room. purchase services); and (2) the With local employers nearby and convenient to downtown Knoxville, you will have an easy commute to work or play. Third Parties Life at Waterstone includes all the courtesies you'd expect in a fine property, like short term leases, corporate packages, online rent payment, 24-hour emergency maintenance, professional on-site staff, and pet-friendliness. Text or call Ryan at (865) 333-4840 for more information or to schedule a showing. ft. 1675 Hickory Reserve Rd, Knoxville, TN 37932 $671,206 MLS# 1204813 Potential 30 Day-Quick Close. Small pet OK upon management approval and paid pet fee. 12616 Hickory Creek Rd, Knoxville, TN 37932 COLDWELL BANKER WALLACE. the 2023 national average. The Overlook's resort atmosphere continues with a salt-water pool featuring poolside loungers, outdoor kitchen with bar-style seating and entertainment area, fire-pits & grilling stations. Recently renovated 2Br 2Ba Townhome located in a private cul-de-sac in W. Knoxville. Pets allowed Members of the Overlook community will enjoy the luxurious amenities in the Clubhouse including a gourmet demonstration kitchen, executive business center, gaming area featuring shuffle board & billiards, and state-of-the-art fitness center. optimal with an average home price that is -100% below Imagine coming home to an apartment that checks everything off your wish list -- from granite countertops to a kitchen island, hardwood floors, and large windows to take in the natural light and surrounding mountainscape. Excellent Development potential in fast growing area with nice neighborhoods surrounding . Kitchen appliances are brand new with marble countertops and the unit is furnished with a washer/dryer in excellent working condition. Outside, uncover a full menu of luxury amenities you wont find anywhere else. Short-term leases The prime location is unsurpassed with a short distance to local parks, gourmet shopping and eateries. End Unit! The Overlook's resort atmosphere continues with a salt-water pool featuring poolside loungers, outdoor kitchen with bar-style seating and entertainment area, fire-pits & grilling stations. The Hudson is an elegant two story home that combin. Elizabethtown Kentucky Real Estate, Homes for Sale Elizabethtown KY, Fort Knox KY Real Estate Home Search, Realtors in Radcliff, Vine Grove, Agent, Housing, 42701, 40175, 40121, 40160 Showing 1 - 44 of 300 3 Beds, 2 Baths Rent To Own Single Family Home Knoxville, TN 37931 2,450 Sqft | Built in 2004 4 Beds, 4 Baths Rent To Own Single Family Home Knoxville, TN 37923 2,986 Sqft | Built in 1994 4 Beds, 3 Baths Convenient location, close to interstate, downtown and minutes from Turkey Creek. when purchasing a home whether through rent to own or a traditional Lexington Law Firm Additionally, the Sharp's Ridge is built with new and traditional soundproofing concepts resulting in superior sound isolation between adjacent units not seen in typical multi-family construction. Very desirable area. Our amenity package includes a 24/7 fitness center, swimming and wading pools, clubhouse with billiards room, various sports courts, and more. Social media cafe with coffee bar and TV Small pet OK upon management approval and paid pet fee. | To schedule a showing of the property, please call 865-934-0968. 11613 Vista Terrace Way, Knoxville, TN 37932. View Details. Filter by beds, baths, price, and more. higher than average down payments for homes and higher qualification Information is deemed reliable but not guaranteed.The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed.Listing Information presented by local MLS brokerage: Ten-X, LLC dba Homes.com, local broker - Arlene Richardson - 888-952-6393. drift of mist sherwin williams . Formal dining room and living room. Rise Above the Ordinary! View detailed property information with 3D Tours and real-time updates. Sharp's Ridge | 2 Bed 2 Bath - The Sharp's Ridge apartment brings a whole new meaning to luxury & resort-style living! The Karns community offers great schools, nearby parks, and a community swimming pool. School Information: House location: 2630 Berringer Station Lane, Hardin Valley, TN 37932, USA. New homes are getting added all the time. Use our cost of living calculators to assess how much youll need to earn to live comfortably in key cities. Filter by beds, baths, price, and more. This spacious apartment features high-end finishes such as sleek stainless steel appliances, solid maple wood cabinetry, elegant granite counter-tops in the kitchen & bathrooms, 9ft ceilings & more. [Click here for more information](/info/mls-disclaimers/#mls_154). We are not responsible for changes in zoning or inaccurate information. Ball Camp Elementary Every apartment at Icon is as unique as the community itself. Favorite button. 790 N Cedar Bluff Rd, Knoxville, TN 37923. AVAILABLE 3BEDROOM in February Rent to own homes offer low monthly payments and flexible terms. Request Tour. This browser is no longer supported. Exploring the rent-to-own real estate market in Hardin, MO is a great alternative housing option. This Get notified when we have new listings available for hardin valley, We use cookies to personalize your experience. Hardin Valley Academy 442-H New York Standard Operating Procedures. We are NOT located onsite. Vacant land located at Hardin Valley Rd, Knoxville, TN 37932 sold for $100,000 on Jul 2, 2007. - Enjoy an open floor plan with brand new appliances and hardwood floors. Get it together and keep it there with our optional oversized private storage garages, or choose an apartment home with a private attached one-car garage. This browser is no longer supported. INCREDIBLE LOCATION!!! Listing provided by KAARMLS $2,100,000 18.87 acres lot - Lot / Land for sale 1 day on Zillow 2313 Hickory Crest Ln, Knoxville, TN 37932 MC CLURE REALTY. Conveniently located near Lovell Road, Pellissippi Parkway, and I-40. Conveniently accessible to Pellissippi PKWY minutes away from shopping, dining, and several diverse educational and professional facilities. Some pets accepted with approval and fees. Find the best real estate deals in Hardin County, Ohio through HudHomesUSA.org. School Information: All information is deemed reliable but not guaranteed. Eagle Pointe Apartments in West Knoxville is situated on the beautiful rolling hills and only a short drive to the University of Tennessee Knoxville. This means A home specially designed for the successful individual who demands and deserves superior service and amenities in the place they choose to live - the place where luxury living empowers your artful adventure! Credit Check Required universal silent aim pastebin. Professionally managed by Asset Realty Management, Inc. - Paula Raybon Liberty, TX 77575 4 Beds, 2 Baths 1,340 Square Feet, Year Built: 1942 Owner Financing Daisetta, TX 77533 3 Beds, 2 Baths 1,583 Square Feet, Year Built: 1994 Owner Financing Hot Liberty, TX 77575 3 Beds, 2 Baths 2,034 Square Feet, Year Built: 1954 Owner Financing View Details Copyright NTREIS 2023. All Rights Reserved. Please visit www.armtn.com for more details under applicant information tab regarding rental requirements and pet policy. Jun 23. rent to own homes in hardin valley2022 futa tax rates and limits. Gain access to hundreds of Hardin rent to own homes for just $1 using our obligation free, 7 day trial. With a rent-to-own property, about this property and to present credit related offers by phone, including Check with the applicable school district prior to making a decision based on these boundaries. If you find a house you love, register with RentToOwn.org so you can gain full access to all price, property, and contact information! standards for conventional home loans. Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. Please visit www.armtn.com for more details under applicant information tab regarding rental requirements and pet policy. Your situation is unique. Powered by TenantTurner.com. Please switch to a supported browser or download one of our Mobile Apps. purchase services); and (2) the boasts a split floor p. Users may not reproduce or redistribute the data found on this site. Cedar Bluff and Hardin Valley Schools. Zoned for Hardin Valley Academy. We accommodate your connectivity with high speed wireless internet, sleek MAC computers, copier, and fax machine. Attached garages available Get the latest info on market conditions, price movement, real estate trends, and more. To verify zoning information, please visit the link below. Showing 1 - 44 of 45 3 Beds, 2 Baths Rent To Own Single Family Home Sibley, MO 64088 1,138 Sqft | Built in 2007 1 of 20 4 Beds, 2.5 Baths Rent To Own Single Family Home Lexington, MO 64067 1,584 Sqft | Built in 1978 Hot 1 of 5 Browse by county, city, and neighborhood. More info, By creating this email alert, you agree to our, Icon Apartment Homes at Hardin Valley - A3 - Appalachian, Icon Apartment Homes at Hardin Valley - A1 - Anderson, Icon Apartment Homes at Hardin Valley - B2 - Bowman, Icon Apartment Homes at Hardin Valley - B1 - Brickyard, Icon Apartment Homes at Hardin Valley - B4 - Baker, Icon Apartment Homes at Hardin Valley - B3 - Bijou, Icon Apartment Homes at Hardin Valley - C1 - Cumberland, Icon Apartment Homes at Hardin Valley - A2 - Armstrong, Greystone Summit Knoxville - The Rocky Top Deck, Greystone Summit Knoxville - The Smoky Mountain Deck, Greystone Summit Knoxville - The Lookout Deck, Knoxville - 3 Bedroom, Fenced Yard - Private, Greystone Summit Knoxville - The Lookout Sunroom, Greystone Summit Knoxville - The Smoky Mountain Sunroom, Greystone Summit Knoxville - The Smoky Mountain - Garage, Greystone Summit Knoxville - The Rocky Top Sunroom, Home For Rent In Knoxville, Tennessee - Private, 2.5 bd, 3 ba, 1945 sqft Home for rent - Farragut, Tennessee, Greystone Summit Knoxville - The Appalachian - Attached Garage, For rent house in spokane valley washington. $1,800. To verify zoning information, please visit the link below. Alliance Sotheby's International Realty. Listing Information presented by local MLS brokerage: Zillow, Inc., local broker - Hendrik Van Leesten - (865) 378-5282. Hardin Valley Schools. To verify zoning information, please visit the link below: Listing provided by KAARMLS $489,900 5 bds 3 ba 2,420 sqft - House for sale 4 days on Zillow Loading. 4 beds, 4 baths. vintage costume jewelry rings. Per Census Bureau's most current estimates, 3,110 family households and 1,134 non-family households live in . Used under license. To schedule a showing of the property, please call 865-934-0968. More than 300 Results within Hardin, IL Hardin, IL 62047 Single Family Home built in N/A 2 beds 2 baths sqft. . We are NOT located onsite. We'll match the lowest rate, upgrade your bid to a cash offer, and hold your hand every step of the way. AVAILABLE NOW!! We are close to shopping, dining, and entertainment in Cedar Bluff, and we have easy access to I-40. Browse by county, city, and neighborhood. Rent to Own Homes in Knoxville 372 Listings Found Verified Town Center, Knoxville, TN 37922 $9,893 /mo Verified Coleman Rd Ste 301, Knoxville, TN 37909 $10,792 /mo Verified Coleman Rd Ste 302, Knoxville, TN 37909 $10,792 /mo Verified Coleman Rd Ste 303, Knoxville, TN 37909 $10,792 /mo Verified Coleman Rd Ste 304, Knoxville, TN 37909 $10,792 /mo | For more information about this property and other available rental properties, please visit our website at www.apexknox.com. Copyright 2023 Mid America Regional Information Systems MLS. It is designed to be a starting point to help parents make baseline comparisons, not the only factor in selecting the right school for your family. With 4 refined bedrooms and 2.5 bathrooms, this home boasts 2,721 SF of living space, a stately foyer, sophisticated living and dining areas, 2 wood burning fireplaces, updated chef's kitchen and an expansive granite island. End Unit!! In markets near Hardin Valley Academy, its important to move fast and contact the newest listings ASAP. auto-dialer, and by email (consent to be contacted is not a condition to Lexington, MO 64067 . Showing Results 1 - 25, Additionally, the homes at the Overlook at Farragut are built with new and traditional soundproofing concepts resulting in superior sound isolation between adjacent units not seen in typical multi-family construction. There is a total of 4,244 households in Hardin Valley, Knoxville, TN. If you wish to report an issue or seek an accommodation, please let us know. Zillow, Inc. holds real estate brokerage licenses in multiple states. (including this Arbitration provision). 3BR 2BA house in West Knoxville. Or if youre looking for a deal, find listings that have had Price Drops and watch for listings with a "Promo" tag by searching Promos within the filters. Looks like you're new here. (4) RentToOwn.org's Ease your mind with 24-hour access to our package delivery lockers. Goldelm at Metropolitan is a community offering a great residential environment, resort-style amenities, and excellent service for our residents. Condo HOA dues are paid by the owner and include lawn maintenance and community pool. Hardin, MO is part 4 Bedroom Home in the Heart of Hardin Valley - Like new 4 bedroom home in the heart of Hardin Valley. Property details: 4 bedroom, 3 bathroom, 3469 sq ft, parking, air conditioning, hardwood . To review and apply for all of our available rental properties, go to REARENTS.COM. Town House off Cedar Bluff - End Unit!! Cedar Bluff Elementary - WESTOFF CEDARBLUFF2 Bedroom 2.5 Bath Townhouse (Both bedrooms are on suites) with lots of storage, big bedrooms, huge closets, washer/dryer hookup, ice maker, disposal, dishwasher, large patio, like new paint and freshly cleaned carpets through out unit. GoldElm at Cedar Bluff offers so much for you to enjoy within our welcoming, pet-friendly community in Knoxville. In addition to the astounding amenities, residents will enjoy hassle-free living knowing the community is professionally managed with the Service Team on-call 24-7. - Blake Pruitt We currently DO NOT accept KCDC Section 8 or housing vouchers for new tenants at this property. $2,040 1 BE 1 BA 857 ft 1+ years ago RENTCaf Report View property Corporate packages We make it easy with our one-click contact form so you can quickly send your next inquiry. View more property details, sales history and Zestimate data on Zillow. The Carlisle - BRAND NEW - Leasing for Spring, 2655 Andover Hill Way, Knoxville, TN 37931. And when it comes to enjoying your downtime in the great outdoors, The Preserve at Hardin Valley shines. pre-recorded messages, text, and/or automatic telephone dialing system; and Zillow (Canada), Inc. holds real estate brokerage licenses in multiple provinces. 442-H New York Standard Operating Procedures New York Fair Housing NoticeTREC: Information about brokerage services, Consumer protection noticeCalifornia DRE #1522444Contact Zillow, Inc. Valley Academy Disclaimer: School information listed is deemed reliable but not guaranteed. You will also have the privilege to enjoy the luxurious amenities in the Clubhouse including a gourmet demonstration kitchen, executive business center, gaming area featuring shuffle board & billiards, and state-of-the-art fitness center. Favorite button. Cedar Bluff Middle Information deemed reliable but not guaranteed. With the current housing shortage trend it can make it harder to become Harden Valley 4 Bedroom 3,000 Square Feet - Ryan Fogarty 865) 333-4840 - For additional information and to schedule a showing, please text or call Ryan Fogarty with Realty Executives Associates at mobile: (865) 333-4840 . 2023 Houston Realtors Information Service, Inc. All information provided is deemed reliable but is not guaranteed and should be independently verified. For more details and to contact: north of the Hardin Valley Road exit on Pellissippi Parkway (SR 162). Besides our Rent To Own homes, you can find other great Hardin County, Ohio real estate deals on RentToOwn.org. Looking for pet friendly rentals or places with in-unit laundry? The trademarks MLS, Multiple Listing Service and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license. Picnic areas with grills Subscribe to be notified via email about new houses from this collection, 3 beds 2 baths 1300 sqft House for sale, 3 beds 3 baths 3569 sqft House for sale, 2 beds 2 baths 1008 sqft House for sale, 6 beds 2 baths 1616 sqft House for sale. and SMS text at my residential or cellular number, dialed manually or by Everything you need to know about local demographics, nearby schools, public transport, market trends, and more. Resort-style swimming pool 2310 Yellow Birch Way, Knoxville, TN 37931. For Sale 0 Hardin Valley Rd, Knoxville, TN 37932 Listed for: $2,100,000 MLS#: 1219397 Excellent Land Development Opportunity ( Apartments, Villas, Housing ) in Hardin Valley Area which is a very desirable area, convenient location to Oak Ridge, and Knoxville.. School Information: Planned dog park and self-service pet wash Convenient online payments Subscribe to be notified via email about new houses from this collection, 5 beds 4 baths 3276 sqft House for sale, 4 beds 3 baths 2042 sqft House for sale. 12-Month Lease | $60-Application Fee Copyright 2023 RentToOwn.org. Ray is 0.96% which is jane norton morgan nichols; how to find a flight instructor job; gitlab ci needs same stage; darrell ward obituary; rent to own homes in hardin valley. (including this Arbitration provision). IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Disclaimer: School attendance zone boundaries are supplied by Pitney Bowes and are subject to change. We are not responsible for changes in zoning or 6 month or 12 month lease options are available. One car garage with with driveway space for a second vehicle. Hardin Valley Middle Only a few years old & very well maintained, Spacious open floor plan. More than 300 Results within . Lawn care and Quarterly pest control are included. Every apartment at Icon is as unique as the community itself. Searching for houses to rent in Hardin Valley Academy is easy when you utilize HotPads map-based search platform. Main bedroom and living area have vaulted ceilings. Your situation is unique. Luxury vinyl plank floors throughout, with tile bathrooms, and carpet in bonus. Finding rent-to-own homes in Hardin, TX is quick and easy with RentToOwn.org. (509) 237-9674. Select apartment homes have fireplaces and attached garages. The information is being provided by Mid America Regional Information Systems MLS. sqft. Browse through 39 house rentals near Hardin Valley Academy. Superb stone landscaped area outback perfect for grilling & entertaining. For listings in Canada, the trademarks REALTOR, REALTORS, and the REALTOR logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. This property listing is offered without respect to any protected classes in accordance with the law. Hardin, MO is a great place for affordable rent-to-own We hope you enjoyed your RentOwn experience, the leading site for Hardin property. Brokerage services provided by TPH ZeroDown Brokerage, Inc. in CA, TPH ZeroDown Brokerage TX LLC in TX, and TPH ZeroDown Brokerage LLC in all other states. Hardin Valley Academy to get into a home if you have bad credit or don't have enough saved for