I’d recommend starting with business credit cards that only require a soft inquiry, so you don’t risk a denial from one bank that could influence the others.

Bad news travels fast. 

Does this mean section 8 is bad, NO, but this can happen in any city or state.

I do tend to be someone who ask questions and only wants to hear what they want to hear, but at the same time if it's a bad idea.

We bought a lot with cash 2 years ago with plans to build in 2024. 2024 was a bad year for my family.

There are so many great local lenders you will have great options for figuring out the best loan for you - you don't *need* to put 20% down by any means, but never a bad thing to go that route if you can.

A nice home that may some day make a bad rental but a good primary home An exchange in to a state without state income tax to save that 10% in state income taxes.  

I've seen a lot of bad excel templates online...

That means that if you are a landlord of lower end rental you will be accepting that applicant with felony convictions, bad credit, and evictions!

Most S8 tenants have a history of bad decisions, often having convictions, evictions, bankruptcies, chargeoffs, collections, garnishments, etc.