.- HML often have a hard time giving the new lender an accurate "payoff statement" and verification of on-time payments to them (latter necessary because HML typically do not appear on credit), which can delay the refinance causing (surprise surprise) the HML to get another month and change of interest out of you at the crazy high interest rate.

How significant is the age of a home in your decision to invest?

Before I ask my first question, i figured I'd introduce myself and give you all a brief background of myself.I'm a middle aged, family man, searching for financial freedom.

it takes time to establish credit, and age of accounts is important.I agree with @Andrew Syrios something else might be hurting your score, it's not the student debt, unless you missed some payments.Maurice

Having a shared wall is much better than having a shared ceiling/floor.As to the building's age, 100 years old is not immediately a bad sign because people update properties as they hold onto them throughout the years.

You may need the entire lateral replaced probably the best thing given the age of the house. 

Creating An Investment Firm(Advice) Hi Everyone, Brief Bio: Age: 25 Education: Finance MBA (Non-Ivy) Occupation: Securitized Products Group Internal Auditor at a Big Firm.

Creating An Investment FirmHi Everyone, Brief Bio: Age: 25 Education: Finance MBA (Non-Ivy) Occupation: Securitized Products Group Internal Auditor at a Big Firm.

Asset verification: How much documentation do they require, obtain a check list from them of what is required?

I think that folks my age (milinials) will want to skip the small starter homes for their first purchase and go right to the 3 to 4 bed homes.