Or, you could ask for a rate quote based on a range of credit scores and you can figure out what they'd charge you on your own.

I figured my network of people I help/work for, will help in the long run. 

@David YoungRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

One minus the Vacancy rate, or 92%), not the Gross Rent.Lastly, your mortgage number is an interest only figure.

There’s a lot different tenant types and I’ve spent a lot of time figuring things out.

You will also quickly learn how to manage properties well instead of spending decades figuring it out like most investors.

I figured now would be a good time to jump in, introduce myself, and ask for advice.

I don't figure the note will be more than  300 a month at only 40k principal.

Talking to others also gave me insight into different markets and strategies, which made it easier to figure out where I wanted to focus my efforts.A simple tip I’d give is to start small and grow gradually.

But yea I’d have to call and figure out if I would need to pay anything extra for that