Quote from @Na Wilson: I have a source (depending on credit score) that can do a 90% LTV DSCR loan on non-owner occupied real estate. 

That's good for my credit profile and supports a healthy score.

Zandi said the added cost would be even greater for Americans with lower incomes or credit scores."

That’s the very simplified version but raising capital is always your biggest limiting factor so the more investors you can connect with the better. 

I am assuming I should only apply for one loan approval since pulling my credit score/history will lower my credit number. 

Research shows that the more experienced home buyers have a longer and generally more specific list of demands than first-time home buyers.If our buyer does not have a home tour checklist, I give them a version that I have used for years (I did not create it, another investor shared it with me and I have used it). 

That is a simplified version of how it would work but a scenario where collection is much more likely.  

I would recommend getting into AI and using propwire's free version to start before upgrading to Privy or Propstream.

They have "minimum" credit scores to qualify for a loan, but the higher the score doesn't change the interest rate.

He said most of his buyers are on a fixed income, can't qualify for a traditional mortgage, others have good, stable income but low credit scores and low income on paper and etc.