Hi, I work for a business lending brokerage (business loans, lines of credit etc.) based in FL.

You only need 20% to qualify, along with a credit score typically north of 660.

When a tenant leaves owing $2,000 in damages, reporting them to a credit reporting agency may pressure them into paying you to protect their credit.

No one would suggest to use their own credit or to take out a loan to buy.  

take your bonus, pay down the home and sell it. not much creativity that can be had. if you try and short sell it the banks could still come back after you and it will crush your credit. chalk it up to a very expensive lesson learned - was it driven by FOMO of feeling like you needed to invest because everyone else was making money?

Does having CHAP (tax credit) increase the value of the house?

You can start accumulating college credits right now, and graduate when you are 18-20, with little debt, if you really want it.

Hi, @Mike Lambert I've been talking to some credit intermediaries to get some clarification on the various financing options available.

Verifying last 2 years of rental history very important!

The DSCR will still have a personal guarantee, and whether reported to the credit bureaus or not it needs to be disclosed as a debt, so there's no benefit there.