And, even then, hitting your rate target would still be extremely challenging unless you were paying points up front, in which case it would probably make more sense to just try to put in a bigger down payment (or pay down the balance if refi) instead and get better terms naturally offered at the lower LTV.

I would suggest you be as genuine and natural as possible.

Always fix all water issues first before moving on to doing major repairs of a structural  nature.  

@Mike Lambert I'm curious about the nature of your investments in Mexico, geo area, type of investment, etc?

Naturally after listening to this I was pretty skeptical but came to the conclusion that it makes since. 

Given your focus on equity and scaling for future development, targeting properties where you can force appreciation through value add renovations seems like a natural fit.

This is just the nature of commercial loans. 

You could reach out to the folks at The Nature Conservancy and they could provide additional info if that route sounds appealing.  

I already run up expenses for my trading income on a credit card because Im responsible and its helpful when building credit, Im also on my families card or something of that nature, but at my age I am not entirely sure what the best course of action for credit building is any tips would be very helpful!

Human nature is fallible and any business that exists out there is run by humans.