Having someone to help you navigate challenges, anticipate issues, and give you personalized feedback as you build your own path is incredibly valuable, especially as you're just starting out.While paid options with specific systems might seem appealing, I agree with you that the key is finding someone who can provide ongoing, situational guidance, particularly someone who has experience in real-world application.

Strategies: maintain the most amount of credit lines possible without use; no late payments, ever; any credit that you do use as a consumer should be small relative to the credit limit of the account; keep your accounts open as long as possible; don't apply for credit unless you really need it to limit hard inquiries; space out any new applications or inquiries as far as possible. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Those goals are very specific to my situation and not necessarily applicable to other investors. 

. - that were new when the S8 tenant moved in 1-2 years ago.Another challenge of finding S8 tenants is many EXPECT you to waive application fees and security deposits. 

I currently have 483 clicks on my rental listing, which has led to 3 chats over FB messenger, but so far 0 applications.

(Yes, they have work visas.

The availability date does not have to be a future date.As for processing applications, we try to complete them within 24 hours, starting from the point we have a complete application.

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.

I suspect this would happen if various parties were given the ability to ask questions in nearly every application for what this thread touches on - and I have major concerns about integrity (and credibility) issues involved in putting yourself in a position to defend this position if ever challenged.