As a lender, if one of my buyers has a score less that what the loan program allows, I run a report called the "What If Simulator".

You won't be able to find it if you wait too long then you have to simulate the actual issue which can be tough.

Yes, the Monti Carlo simulations can be used for many situations -- the statistical math model is pretty sound. 

I understand I can "simulate" all-cash offers with private money and/or hard money loans.

I have run this simulation for the same market… “which is better to buy… 3 houses at 1/3 the high priced house, or just the high priced house?”  

Just run a simulated income statement on each unit and if the numbers work and you are satisfied with the potential return, pull the trigger.

Awesome fridge.etc. etc.Analyze your numbers, run simulations, run scenarios and then come up with your systems you will make far more money!

I grew up playing video games like Sims, tycoons, and investing simulators.

Simulate that, do that yourself, and see if a bunch of good reviews will pop up, or poor reviews, etc.

I'll use our FICO simulator to figure out what you need to do in order to be out of that range so that we're in the clear in the future, but it's on you if you actually do those things or not.