Here is a simulation: This property gets $225 in monthly cashflow Closing cost are covered by a PML on 42$ a month on 96 months (Miscellaneous).

That will not only let you track your score but it will also let you simulate the effects of different actions you might take to try to change your score.

Just looking for advice from anyone who has been in a similar simulation.

While I'm waiting for my pre-approval, I'm starting to look up fourplexes and simulating numbers on Excel, seeing which are a good deal and which are not from the MLS.Problem is that as a Canadian citizen but non-resident, I need to have a minimum of 35% downpayment from all banks and on top of it, a 25% withholding tax.The downpayment I can handle if the returns are good, but the 25% withholding tax is taking all profits out.

This would simulate the same seller-financing terms we've negotiated, and without a chunk of equity on top.

If you are very good with Excel or similar software and understand the logic of the equations, you can simulate what the calculator does with graphics and everything (not worth the time thought if you don't know what you are doing).  

I would use the CreditWise app (not overly accurate) to run some simulators and see what you can do to bring that up.

. $3,000 monthly rent appreciating at 2% per year for 10 years turns into $3,656/month or $43,782/year, but 4% rent appreciation turns into $4,440/month or $53,288/year.A calculator that has the ability to simulate various appreciation scenarios quickly is important to me, and hard to find.

Lucky for my client, I'm an independent mortgage broker, so this was all with one credit pull, but it did take about a week of mucking about, you can't run the stupid little computer test without ACTUALLY making the loan "live" in their system, and since no one understands what the rules even are, you can't simulate ahead of time. 

Here’s some information on the things that are factored in, and the importance of each:https://www.myfico.com/credit-education/whats-in-your-credit-score(Credit Karma also has an app that you can use to simulate changes to your credit profile and estimate how it might affect your credit score, up or down.