I am won't buy anything this year but rather next year so I am wondering if it makes sense to approach an agent or a lender months in advance, weeks in advance or only when I really already saw something I want to buy.I don't want to waste anybody's time and I am not yet sure what the best course is.

I can tell you in advance what it is perceived as, but is not.This is the forum - https://www.biggerpockets.com/forums/21/topics/1214210-real-...You should be able to see my removed posts and what they were responding to.My first response was a regular response, it's still there.

I'd attack the credit report :) 1) lower (pay down) whatever accounts have a high utilization percentage 2) contact each of 3 major consumer credit agencies and get a free report, then dispute every hard inquiry that is *NOT* associated with an open account 3) call the credit cards you already have established and ask for a credit line increase -- often can be done online and they do not verify income, hint hint. 

Thank you in advance!

Thanks in advance!

Thanks in advance!

Yes, there's a living room, dining room, kitchen on the appraiser's report and then they called the what I thought to be a 3rd bedroom to be a "den".

Thank you so much in advance.

If it comes across that way I apologize in advance.

Almost all DSCRs require a personal guarantee, and PG'ing a loan WILL have the exact same effect on your DTI, regardless of whether the DSCR lender reports it on your personal credit report.