There is usually a missed opportunity in most markets delivering housing products that are needed but not readily available and the Zillow data most rely upon does not tell this story.Get to know the members of a community, their needs, what steers them away from the housing that's currently available.

But there are products that go all the way down to .75+ ratio and even no ratio.

They provide real-time access to credit reports from major bureaus—Experian, TransUnion, and Equifax—without affecting the consumer's credit score.Setup Process:Application Submission: Complete a formal application through Soft Pull Solutions.Documentation: Provide necessary documents, such as proof of business operations and compliance with legal requirements.Website Review: Undergo a review of your business website to verify services and permissible purposes for pulling credit reports.Onsite Inspection: An inspection of your business premises may be conducted to ensure secure handling of credit information.This process ensures compliance with legal standards and typically takes a few days to complete.

The finished product and getting the rewards from the fruit of the labor is way down the line.

If you have a finished product, they won't move in for 60 days but your lender requires signed lease and/or move-in for refi...this will delay your refi.

Quote from @James Wise: The term "cross selling" is used when you sell related products.

Welcome to the forum @Chris Primavera.Seeing as you are brand new today, it would be good for you to search on the forum for those areas and read everything there is about those markets.Grab @Avery Carls book Short Term Rentals Long Term Wealth and read it. https://store.biggerpockets.com/products/short-term-rental-l...It is chock full of info that you need.

No paper towels, no "flushable wipes", no dental floss, no hygiene products, no tee shirts (real example). 

It's been a little bit, but he's a solid guy who knows the markets and is local and can get you the right $ product. 

As the legally required small print in the offering of financial products reads: "Past performance is no guarantee of future performance".