The property should have more impact than credit for hard money, but if you have never used the company, you are probably looking at 14 pct and 2-3 points now.

You can do whatever you want in terms of bending for the tenants and trying to provide "great service,' but the truth is you receive no credit for it and will be the evil landlord at the first repair that takes too long, late fee owed, alternation denied, etc.  

Start with these three key points:Current SituationAssess your current or expected capital and credit within a realistic timeframe.

or have you found various creative solutions to secure favorable terms?

Will bank credit still be around (at what terms)?

Assumable VA loans are an excellent opportunity to secure favorable terms, but there are specific rules regarding who can assume these loans.

Once you complete their application process, they will determine you don't fall under their top tier borrower qualifications and propose terms that are far less favorable.

Contractually, I'm sure I'll be on the hook for something based on their PM favored literature, but can I contest that they have done absolutely nothing for me, including not paying me as my defense?

University federal credit union 

I am betting you didn't put this (or the other ones) home on the market to then become the bank for someone who only has a couple thousand down and no credit instead of selling to a verified buyer, right?