@Brandon MorganTo buy your second property sooner, consider conventional loans with a 5-20% down payment, house hacking with an ADU, Home Equity Line of Credit, or cash-out refinance.

I never run credit so I am curious to know from current lenders that deal with credit daily. 

To their credit they have had good communication with us and have hired the last exterminator that got the job done.

Quote from @Dj Hume: Hi @Nathan Frost,I’ll preface that I don’t encourage going into any inspection to request credits, it usually means your offer is overpriced.

But the thought of all that money has changed their minds.I can see Vrbo charging 3% on taxes for the credit card fee, but I didn't know they charge 5% commission on it too. 

In fact, the USTC has found in favor of the IRS when a taxpayer did not apply the law correctly (what everyone deems the loophole).

Now sometimes I would get a credit for a new lead but you have to write a detailed explanation every time I would ask for refund and wouldn't always get it rewarded. 

Mainly because home inspectors already have tools and systems for quickly generating thorough inspection reports to help you negotiate credits, concessions, and/or price reductions. 

I’m willing to accept higher interest rates on a line of credit as the overall $$ amount is significantly lower than refinancing an entire property at the above mentioned 6-7%, not to mention restarting the amortization schedule all over again.

My understanding is that the buyer assuming the loan has to meet the same credit/underwriting criteria as the original borrower, but this is not my area of expertise - lenders are typically not involved in assumptions.