Credit reporting is a no-brainer, and Baselane is excellent for releasing it!

Credit scores are made up of many factors, one is the utilization of an account vs its credit limit.

@Ali Mol In a lease-to-own agreement, the $1,666 monthly credit should be treated as a liability (deferred credit) rather than rental income, as it is allocated toward the purchase price.

Many new investors don’t have accountants, and for those without one, separating accounts can be a simple way to stay disciplined with cash flow.In my opinion, if money is constantly going in and out of just one account without categorization or oversight, it’s easy for things to spiral and hurt your business.

When getting a DSCR loan whose credit score is the lender going to use?

It is easy for people to download fake W2s, ESA paperwork, etc, with a few mouse clicks and a credit card. 

Hello, It does hurt when this happens.

Does anyone utilize a line of credit as an emergency fund?

Patience can be your best friend and if you attempt to over leverage a property it can come back to hurt you.Some will recommend buying subject 2 where you could take over an existing mortgage that could be at a substantially lower rate - but if the lender finds out and calls the loan that could also be very bad.

True re the prior poster, re this helping the seller save their credit, if you buy sub-to you will dramatically raise their FICO since the mortgage will show on-time payments.