Getting them to raise their credit card limits to attend their seminars, purchase their CD's, and go on their bus tours. 

When I became aware I had to severely change my rental criteria from "dude, you seem ok to me" to Show me your references, job pay stubs, credit history with no R2's, ete, etc, etc,.

When i arrived in the US i wasnt able to get funding due to lack of credit history as an overseas citizen.

I have paid off student loans, my house, credit cards, car and have 100k that i would like to invest.

Even credit tenants investment grade interest rates are about 6.5 to 7% right now.

It would be unethical for lenders to pull credit just to get you a quote, while it would almost be foolish to go with the first quote received.

Also, has anyone reported delinquent rent to credit bureau?

Now I’m down to only 1 rental, $200k HELOC on my primary, 800+ credit score, and a high income job. 

I have taken a few construction loans from the national HML and its quite frustrating and I only do it when my bank Credit lines are maxed and there is a project that still is profitable and I don't want to miss it..

There are some additional things that could help determine which loan product is best for your situation.203k Best When:- Credit scores 680-720 or less- Renovation will improve the value of the home more than 75%- Renovations will be on or in the home - no new yard projects, only fixing existing- Higher Debt To Income (can get approval with up to 56.9% dti)HomeStyle Best When:- Purchase + Renovation costs will come in higher than FHA Limits- Home improvements will only improve vale 75% or less - 720+ credit or 20% down (of purchase price + reno cost) to avoid PMI- Exterior Projects (fence, hardscaping, pool, outdoor kitchen)- Lower Debt To Income (sometimes as high as 50%, many times between 45-50%)- Renovations that are greater than $35,000 (soon this will move up to $75,000)Happy to answer any other questions that you may have!