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. 

Looking for any guidance on any equity based lenders out there?

I'm also based in NJ and love to discuss all things NJ RE. 

The vacancies, rougher tenant base, unstable incomes, higher crime and more blight areas.

., funding, management, deal sourcing) based on strengths.Bylaws to Include: Cover profit/loss splits, decision-making processes, buyout clauses, and what happens if the partnership ends.

The lender lent based on them being one thing which secures the debt.

It's good practice in making the calculations needed to decide whether or not to pull the trigger on a potential deal.You soon learn that starting off as a Doctor is less advantageous than starting off as a Janitor, because the game presets your income and expenses based on the job title.

So it became a long-term action of repeating that cycle to achieve decent LT tenancy base. 

I  took over a mature company that had an investor base that I think average age had to be 65 to 70..

Your advice about understanding the underlying accounting and how the numbers are generated is an excellent point—I can see how that would help me identify any gaps or inaccuracies in the financials.I also really appreciate the insight on how T-12s differ based on the number of units.