Because these aren't Fannie/Freddie or jumbo, there's no algorithm where we can say "what does your __________ paperwork say?"

FICO itself has a zillion different scoring algorithms.

I would NOT use a Zillow estimate or any other "system" that crunches numbers with an algorithm.

That algorithm sounds pretty powerful in this industry.

Zillow is an algorithm, as @Andres Ospina mentioned 3/1.5 sounds very low 

After 6 months to a year, you may be eligible for a regular credit card, and then they would close the account and send you the savings deposit back.A few things to keep in mind:The credit bureaus algorithm isn’t straightforward so no one can tell you that you’ll have a 700 score in X amount of time.The trick to keeping your score high with your new credit card is to never use more than 30% of the available credit, and to pay the ENTIRE balance every month.

That's a lot of "ifs" but getting some kind of T12 from a neutral party will give you a better indication (in my opinion) than algorithms are going to be able to project. 

What I did was compared apples to apples and researched based on a simple Algorithm of statistics, success rates and failures, HANDS ON Flipping Strategies against THEORY DIY (Do It Yourself). 

As far as book, outside of every major leadership book these are the ones that stand out in my head regarding mindset:The Power of Habit: Why We Do What We Do IN BusinessAccidental Genius: Using Writing to Generate Your Best Ideas, Insight, and ContentThe Two-Income TrapSuper Crunchersand Algorithms to Live By: The Computer Science of Human Decisions (reading this one now)

I just picked five and ran them through my algorithm to prioritize economic growth.