At the time, my credit was good but not great and that's what I was offered. 

Here are the Required LTV's:Primary Homes:-1-4 Units-620 FICO Minimum (660 High Balance)-95% LTV 1 Unit-85% LTV 2 Unit-75% LTV 3-4 Unit- Minimum 680 Credit scoreSecond Homes -1 Unit - 90% LTV -700 FICO Minimum Investment Properties:-1 Unit - 85% LTV Purchase Only (75% LTV Limited Cash Out)- 720 FICO Minimum

My partner and I are under contract to buy an apartment complex and it happens to be in an opportunity Zone we didn't even know it when we went under contract for the apartment complex and some nearby a couple of other complexes that we have and this one just happens to be in an opportunity Zone doesn't even appear to be a rhyme or reason as to why it's in an opportunity Zone. that being said it's not a redevelopment project and we're not going to be able to take advantage of the tax credit because there's no way that we can put a hundred percent additional Capital into this particular project but what it did is it got us thinking there might be another property nearby that does need that kind of redevelopment and so now we're actively seeking other properties in that same area that will help us build our existing portfolio and potentially get significant capital gains tax deductions at the same time.

In the alternative, you would want some kind of standby credit.

We do not yet have a credit card set up for those LLCs. 

These tenants usually have a decent credit score and care about keeping it that way.

I've established my line of credit, I already have an investing real estate agent in mind and I'm not afraid to personally do some of the work on these flips. 

Kris thanks for the tips.

Does his having lived there for a year and having paid his rent/ rent credits otherwise make him a more qualified borrower?

To get the best bang for you buck, you need to get a Mortgage Credit Certificate (MCC) with your VA loan here in Texas.