I have money saved up, 15k, that I am looking to use to purchase my first property and my credit score is ok at 670. one of my issues is my credit utilization due to credit cards I took out for my business that I maxed out and I also have student loans.now fast forward, I want to get into house flipping and later on buying and holding, probably 5-10 years from now. i have done a lot of research on loans I could utilize including the fha loan which seems to be the most attractive to me however I am aware that I would have to stay in the property for a year before I can do anything.

This application covered most things - but I'm wondering if there's anything that was left out of if it's asking for too much information (i.e. credit card information / balances).

I've laid out my cards on the table and have no ulterior motives. 

On the personal finances, buying my first BRRRR side of things:  My wife and I are within 10 days of closing on a refi of our house in order to wipe out the divorce legal and settlement debt I racked up on second mortgage and credit cards back in 2014 and cut $800-1000 out of our monthly obligations. 

I am looking to get my first deal in wholesaling so I sent out 1,000 postcards to kick off my direct mail marketing campaign. The first call I got was from a woman telling me to take her off my mailing list. The secon...

It is still listed as a 4 family on the field card but the agent listed it as a 3 family and the appraiser also appraised it as a 3 family.

I think telling them you might use them in the future but provide all of this free crap today is a waste of time.Any smart commercial broker will not spend time on such things.Why not just pay for a report or send them a nice gift card to the restaurant of their choice?

I do not have credit at the moment but I am taking steps to start building my credit(not a big fan of credit cards).

I love rewards credit cards but that's a different post entirely.

I currently have one business card each for both of them through capital one that I got using personal guarantees but the credit limits are very low (1000 and 500 respectively)but I keep the utilization rate sub 20%.