If you use different sources it will be difficult to calibrate the different scores, but think of it as a percentage of the max available score.This particular score seems to be based on an applicant's credit history, including payment history, credit utilization, and credit availability. 

There are tons of loans out there that use just the projected or actual income from a property vs the payment of the property (DSCR loans). 

We have $400K into the property between Down Payment and Renovation.

A line of credit won’t commit you to a monthly payment unless you use the money, so you can avoid paying interest when it’s not in use.

When do you make owner payments?

Single family house, which required smaller down-payment and little cosmetic repairs.

The second Property Management company I never could understand the payouts and the payments was never correct.

Its important to know what the max rents will be so that you can cover your mortgage payment and hopefully also cash flow every month.

I asked the GC as part of the conditional last $20k payment to transfer the title to me after his mortgage note default since I'd paid him $40k in good faith for work reportedly completed but needed rework.3.)

But that also depends on your down payment- putting only around 20-25% down is hard to have a profitable STVR.Ultimately with STR v LTR, I'd be mainly curious about your intended use of the property.