This was not a complete rehab, we were keeping the main bath, moulding, and original dooors. 

I'm originally from Kentucky and moved to Palm Beach County to pursue real estate full time.

On the north side, my credit score requirement is 680 and I strictly require their monthly household income to be 3x the rent.

@Geovanni Cano sellers don't like FHA, it is meant for people with little money and very low credit score, plus you have an FHA inspection which can derail a deal a week before closing, nothing the buyer can do.

I also realized last night (after I made my original post, of course) we could do a HELOC on our primary residence.

When getting a DSCR loan whose credit score is the lender going to use?

That said, an umbrella doesn't have anything to do with the original question of the thread. 

…When the original poster doesn’t come back to their post and acknowledge the comments that people took the time to write.

Originally a 30 year lease, theres about 20 years left to an advertising agency. 

It allows tenants to increase their credit scores by an average of 60 points, and I provide it free of charge.I have over 600 adult tenants.