I think their general stance is going to be to go with whichever comparable property has the greatest degree of similarity in terms of (probably, in this order): location, age built, quality of construction/current condition, and square footage.

If you borrow against the equity, you'll need to include that payment in your calculation, as well.You make 3x the average income for Pennsylvania at the age of 32.

Credit scores are a reflection of someone's ability to learning and understanding the rules of the game and haveing the discipline to play by them.If you already have good credit, already pay everything on time (autopay), then increaseing your limits will probably help you the most, because it gets your utilization down, ideally under 10%.Higher hanging fruits are average credit and account age (just have to wait for that I guess) and inquiries, which are sometimes unavoidable as real estate investors.  

@Andrew Liu you did not list the age of the house.

I go to investigate and there is a middle age lady with a nice wrangler (I suspect 35” tires, recovery points, not old (in good shape)).  

Chad aka Coach Carson is an entrepreneur, writer, and teacher who used real estate investing to reach financial independence before the age of 37.

lol it has nothing to do with my post..but in my younger ages, I saw this movie too many times,  Real estate builder / lender committed suicide or they were fleeing to GuangDong province in China to hide after their real estate project gone foreclosure after some interest rate changes (kinda like the same story of our own McAfeee) ......this kind of event from the 1980s has the same final destination lol loleven when I am invested these days I remember these movies..... unfortunatly the GFC caused many a suicide I knew two personally. 

I did that in my teens in age and early twenties hopping to the next greatest thing that would appear to make you richer faster and with less work.

If duties were merely split between operations, capital raising and deal sourcing based on individuals strength and to spread responsibilities, I would be more understanding but that's not the new age model.

Within that area what does your demographic research tell you about the age range?