@Gabriel Dent With a 730 credit score, you're in a good spot to house hack.

Main thing here is your credit utilization rate: if you want to refi down the road, it is best to keep credit utilization as low as possible to keep your credit score up.

The most important factors a hard money lender will look at, if you don't have experience, is your liquidity and credit score & history (as well as your background -- no liens, judgements, foreclosures, bankruptcies, etc).I would hit up @Michael Cid -- he's a tremendous resource and is a direct lender. 

This is a huge plus because it offers liability protection, meaning your personal assets are shielded if there are any legal issues with tenants or the property.Doesn’t Appear on Your Personal Credit: One of the big perks is that these loans don’t get reported on your personal credit profile, so they won’t impact your credit score or debt visibility.

I had to prove that my credit score was acceptable, that I had not only good references from my current landlord, but the 2 previous ones.  

I am incredibly thankful there are wonderful people like you that take the time to help and give out all this information.

Marginal views are more of an amenity, but with an incredible view, people are willing to pay extra and they are looking specifically for that epic view experience.  

Minimum qualifications that I typically look for with tenants are a 600-620 credit score, need to be making at least 2.5-3x the monthly rent in combined income (verify their employment by making a call/googling), and I don't like to see any previous evictions/certain felonies for background check.

He had great income and a great credit score, she didn't, and I had been vetting potential tenants for a month and a half, and I was finally happy to see someone with good income and credit. 

Over the past few years, my wife and I have worked hard to improve our financial health—we’ve raised our credit scores above 800, paid off all debt except for our mortgage and student loans, and saved a fair amount.