I am a US citizen with a 680 credit score (actually, credit karma shows 680 for one bureau and 710 for another bureau), but I haven't worked in the USA for years, and overall, we are looking to get a DSCR loan.

As long as you mom can qualify on her own (with her credit score), I don't think adding you to the loan application would hurt even though your score is not good (but I would still double check that).

My credit score is over 720, while my partner's is around 541 (on both Equifax and TransUnion), due to a collection that we've since paid.

I have a nearly perfect credit score and I'm gambling on that for my first project.

I also give credit to Bigger Pockets for helping us with our investment strategy, knowledge, and confidence when it comes to rental properties.  

The virtual credit card feature is also really slick.

However, if this total income number is negative it will count against you like any other liability would (think car loan or other mortgages with no rental income or credit card min monthly payments/etc) against your DTI.DTI is typically maxed out around 45-50%, so half of your monthly figure so if you make 10,000 gross per month your max liability at @50% DTI is 5000 a month max payment.

He said, "Start tracking your net worth now."

Debtor must clearly phrase their request to obtain: the source of a debt and the amount a bad debt buyer paid for plaintiff’s debt; how amount sought was calculated; where in issue a list of reports to credit bureaus; and documents conferring authority on third party to collect debt.Documentation of the creation of the debt with your collection agency.Under FDCPA Section 809 (b), you are not allowed to pursue collection activity until the debt is validated.

I just setup a phone number to track my letter responses last month so I should have more accurate response rates in a few months.