I’ve focused mainly on Florida but have also looked at options in Sacramento and other slightly more remote locations in CA.While I’m familiar with value-add strategies (ADUs, renovations or storage rentals), these seem like heavy lifts for modest gains.

There are situations that they can source better value products from larger suppliers such as HVAC units or plumbing supplies, and we are ok with that.

HI, Is opening a LOC on my primary a good option to fund flips or is there a better solution to get the funding?

For larger properties, entertainment options like game rooms or arcade games are often a hit.

The real life experience is the best option for learning and gaining the knowledge you need. 

After 4-5-6 years then maybe roll them up into a small mulitfamily.Another option if you have the credit and some capital is to buy a 4 unit as owner/occupied and live in one and rent the other 3. 

With time management, sourcing materials and learning how to complete task on your own.

That process has direct lender involvement.Where the challenge lies, is when unsophisticated "investors" with no experience, no money and no reserves use creative financing (often called wrap, subto, lease option, seller financing, land contract) to purchase properties and along the way there is a "hiccup".

This is what active renters look at too which is why I believe it tells a better story of what rents are currently at compared to other sources. 

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.