No problem with down payment but will need conventional load which is not a problem as I have been pre approved many times just did not find right property.

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. 

When do you make owner payments?

So I'm strongly considering adding a handful of these to my buy & hold portfolio.I understand that there's no "risk-free" method to acquiring these properties subto, but have any of you had success over the long-term acquiring properties with VA loans attached?

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

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

It looks like according to the county site (sbcounty.gov) they require all renter payment go to the active owner. 

What was nominally a 52k down payment turned into close to 100k--12k in closing costs, 12k in extra payments, and about 25k in labor to help me get it ready when I realized I couldn't get it all done by myself working evenings in a reasonable amount of time (plus I knew I couldn't do the egress windows myself). 

Payment is $1780.

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