If you have any other options, suggest those that don't squash your score and don't trigger  red flags to credit reporting agencies.....  

Look for Dan's red hair and freckles...

You Rock!

You can also buy a Termidor spray foam product that will piece through sheet rock and you can treat inner walls as well.  

I'll admit that i have done a comprehensive amount of reading, have listened to all the BiggerPocket podcasts, read all of @Brandon Turner's books (thank you Brandon you rock), and listen to an average of one audio books per week in relation to business or real estate for the last 3 months.

It's like  race cars; they look great on TV, but once you get close, you see all the dents, scratches, duct tape, rock chips, etc etc.

BIG RED FLAG!   

And good to hear you're still rocking it in Texas!  

Following the Great Recession, the Big Banks (with $) convinced Congress that it was all the fault of the Local Lenders who live in the communities we lend in & can throw rocks from our back yards to hit the roofs of houses that we've financed. 

BP rocks!