Even if I only raise it by $5, the important part is to establish that routine so everyone's conditioned to accept it as normal.Lots of threads on BP about techniques to do so.

Typically this increases the client's score by over 30 points.Becoming an authorized user on a parent's card it good IF they have never been late AND they routinely keep their balance to limit ratio low.

I routinely work with new investors and have closed a number of rehab loans in Philly for first-timers. 10-15% down payments are pretty attainable, even for someone with limited experience. 

First, municipalities routinely enact illegal ordinances.

I would suggest driving around Baltimore routinely!

However, if an investor routinely fails to close, they're eventually going to get charged and then ignored.

It has its benefits for sure, but as with any strategy there are downsides to consider - problem tenants and routine city inspections, namely - I personally invest in STR/MTR properties primarily, or rent by-the-bedroom.

How is your exercise routine?  

Variances are granted pretty routinely in my area, but the burden of proof falls on the property owner to justify why granting the variance won't negatively impact the neighbors/community.

Or, a charging order may be granted.If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).