Approached the seller asking they pay all closing costs, received enough credits to buy down the interest rate back into the 5-range (current rates were in the 7-range).

This was my first investment property and I used a loan from my 401k for the down payment and also used a local credit union for a 10% down payment on it when I bought it.

For anything less than that with a traditional bank or credit union, you'd likely be looking at a portfolio product (the bank/CU will hold your loan and not sell it on the secondary market). 

You can do all the prequalifying from anywhere via credit check, call references, verify income etc.Make sure you have a handy person, ac person, plumber, etc etc that you can call when you need some work done. 

I don't accept credit card payments for this very reason.

They use PRICE LABS to create these score cards that test your price, data is pulled from Price Labs, well guess what you can access that right from Price Labs you do not need to pay them for that.

Looking to knock out all credit card debt early next year and rebuild the 6 month emergency fund.

@Mary LopezNot sure if you're still looking for debt, but credit unions are a great place to look right now in this part of the market cycleGino

I have taken all my taxes and insurance out of escrow, and I run them through credit cards to rack up points, so I pay a lot of bills every year.3.

-Should I ask for credits to repair?