The sub 550 credit score people come out of the woodwork to apply for this home. 

I keep scans or pictures of all of all letters I send this way including the letter as readable before it goes into the envelope which includes the tracking number written on the letter, plus the filled out certified mail paper and the envelop after its addressed. 

@Stefano Vrolijk it all depends on your credit history, whether you have an SSN/ ITIN and how much you can put down.

We both have good credit but my lender made it seem like there was no getting around putting less than 25% down on an investment property.

There are loan programs that will do a 20% down payment with a 680 or above credit score. 

Once you start processing the credit/criminal, the money is spent, and you can't get it back.

Developers will not be able to get these bonus building permits without providing such TDR credits.  

DM me and I'll connect you with the Credit Union I send my clients to.

I would say credit monitoring

The only things that matter are credit, down payment, reserves, and DSCR ratio!