Then, that score "expires" because credit info changes constantly as people use (or abuse) their credit.

It will show on your credit as 1 tradeline.  

Many of the local banks and credit unions offer intro rates. 

Both have credit scores of over 700.

The seller would not agree to a mortgage financing contingency, but I felt very comfortable in my ability to close the deal given the property’s credit tenancy (Pizza Hut), their long history at the property, and the quality of the location and building.

I talked to the heirs after the mom passed and negotiated a deal to buy it for $40k, then spent $72k renovating (with credit cards and borrowed money), then sold for $224,900 three months later.

Usually a bank won’t lend on that low of a purchase unless you can do a commercial loan or line of credit.  

- Building is nice, seller essentially bought it as a single family, rehabbed it and converted it to a 2 family, but has some issues i wanted to fix but seller simply gave a 5k credit without fixing anything i asked for.

I think its good,  its standard for everyone whether your credit score is low or high.

If the market continues to grow in the next year or so, I would either refi or take a line of credit from that house and buy investment property.Hope this helps.