Lenders can choose to require a HIGHER score, but they can't allow a lower score if it'll be backed by Fannie/Freddie.

The three reasons sellers typically choose the off-market route are privacy, potential savings, and price testing.

If you're wanting to put it into real estate, then choose a custodian like Advanta, Provident, Nu-View, Quest, etc that will allow you to truly "self-direct".

After rehab, the ARV is projected at $320k, which could yield $55-65k in profit from a flip (after taxes), or a ~5% cash-on-cash ROI if we choose to BRRRR.

Choose which option you are going with. 

Does anyone have experience or advice on how to choose the right size?"

I personally would not choose to swap a tanked water heater to tankless at a rental due to increased maintenance.  

I exclusively operate in Cook County.

It’s also possible to have a negative net worth, which means your liabilities are greater than your assets.Examples of assets that may be included in your net worth include:Business interests Cash and savings Investments Personal propertyReal estateRetirement savingsVehicles Examples of liabilities that may be included in your net worth include:Credit card debtMedical billsMortgagesPersonal loans Student loan debtVehicle paymentsNet worth is very easy to calculate: You add up all your assets and subtract your liabilities.The net worth formula is:Net worth = Total assets – total liabilitiesHow to Select a Net Worth TrackerYou can choose from several net worth trackers to help you monitor your financial position.

For lenders, you should be able to get some pretty good referrals from your realtor that you choose.