It is not your credit score but generally better credit will result in a better score- Time at your job- Education level- time at current residenceGood Luck & feel free to PM me if you have any questions. 

I think any seller without much knowledge of being the lender would appreciate the added benefits and hassle free approach using a third party.

Not sure how old you are, and $200K in a 401K may be a little or a lot based on age, there may be so many implications taking out money from your $401k, especially if you are still working for this company.feel free to reach out for tax advice

I attend one in Frederick which is online right now. 

Please feel free to message me if you want to walk through some logistics. 

There is a lot of gentrification going on un several area which help that quicker appreciation.If you ever have any questions feel free to reach out or send me an email, I enjoy helping other BP members.

& how you become financially free is by letting whoever your renting to (I'm guessing that was a step also?)

I didn’t know anyone in Alabama, so I called a few agents I found online and ended up picking one from BiggerPockets.

Anyone can get 4.3% now in a 100% treasury fund (was 5% until recently), virtually risk-free.

Feel free to call if you have a more specific question.