Hi I have a few credit issues I.e late payments but no defaults. I am looking to obtain a loan in my name to buy land, build 1or2 properties and either sell one and keep one/sell both as investments. I have outgoings inc my share of rent approx 1500/m with 2 children under 4 as dependents. I have $400k funds of my own to invest. How much could I borrow? And any complexity given late payments before?