DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Their credit is shot and they are getting foreclosure notices.

We are financing the build with a Heloc, once finished we’d like to cash-out refinance ASAP to payoff our line of credit. 

Knowing cap-x projected out years is not an "extra credit" kind of information, it's fundamental necessity. 

5 Tax Mitigation Strategies Every Real Estate Investor Should KnowAs a real estate investor, every dollar you save in taxes is another dollar you can reinvest into growing your portfolio.

Not only will lenders be effected, but borrower credit, business loans, inventory, and auto credit will suffer when those effected have to relocate, find long term replacement housing and their livelihoods and income are destroyed.

Seller financed (probably) won't be reported to the credit bureaus and so won't impact your credit score at all.

I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

When I asked if someone had an affiliate code (so I could give them credit), they didn't.

This is not a one size fits all answer, but bad debt is non-asset based or depreciating assets - , credit cards, medical, buying dumb stuff.Good debt is debt used to make or grow your portfolio.