Getting your utilization down on your credit cards and heloc will improve your score and should be your priority.To answer your original question, the questions to ask are about prepayment penalties and points for DSCR loans.

Paystubs only show last 4 digits. 

Would love to learn about how you are utilizing your team to get the most out of them. 

Try to have cards with high credit limits and try to keep the utilization down on them. 

This is why you see so many continue to utilize band-aid fixes rather than invest in Cap Ex repairs. 

I recently sold a property, but I still receive notices for paying property taxes and utilities.

I utilized 7% for CAPEX and 7 % for maintenance given recent updates .Tenant pay for electricity and gas.

We have 70k which was enough for intial loan it was 5% down but lm not so sure with the land only because deposit is that.Intial loan we made no paymts until it was done, this one we have pymts right away and will need to now save for septic, water hookup.We thought we could make apt after utilities are in, in the garage for now and at a later time get a manufactured home.We both arent sure what to do. 

Most investors have not much experience and have ability to do proper due diligence, but...some of the lead in those forum are so good (and way more sophisticated than BP) to do proper DD.Although however I found discussion for CRE that's merely generating 7% income and single digit IRR with high risk of default is going on for very very long time.

I think it has more to do with utilizing all available markets nearby with such a limited amount of work in that industry.