Caution:  Personal credit card financing is a huge risk and good luck finding 0 percent interest today.

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

B) pay all the remaining rent but I’ll credit it against the kid’s rent next year.

@Ofir R.Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

But you have to ask proactively, and be mindful of how long you stay in forbearance to avoid long-term credit issues.🔹 Insurance Challenges – Even when insurance pays, it rarely covers the actual cost to completely rebuild.

It's fine if you don't ever need to cancel, or have any damaged items to return but as soon as you do, their customer service feels nonexistent. 

What's the lowest credit score you will allow?

Let me enumerate the reasons:1) my pm paid for the damages.  

The agreement is that your tenant will pay for any damages they caused.

I would recommend having the property assessed for any damages—were the windows or doors damaged during the forced entry?