At least try to have all credit cards below 20% of the their individual limit.The first image shows the drop of 59 points and the second shows the reason, I forgot to pay down one of my Citicards before the statement closing date. 

We don't accept letters from three years ago or some quack on the phone with a credit card reader.

It's a great starter book for the financial foundations of real estate investing: https://store.biggerpockets.com/products/set-for-life-revise...I would also recommend Small and Mighty by Chad Carson: https://store.biggerpockets.com/products/small-and-mighty-re...Real Estate Rookie: https://store.biggerpockets.com/products/real-estate-rookieHouse Hacking: https://store.biggerpockets.com/products/the-house-hacking-s...

PROGRAM 2 Owner use up to 3 weeks 40% of Adjusted Gross Standard FF&E in high season & 3 weeks Revenues from the Unit and accessory in low season package required.PROGRAM 3 Owner use up to 6 weeks 30% of Adjusted Gross Standard FF&E in high season & 6 weeks Revenues from the Unit and accessory in low season package required.HIGH SEASON: DECEMBER 21st - APRIL 15th LOW SEASON: APRIL 16th - DECEMBER 20thNote: The following fees are deducted from the gross revenue before the split:5% Management fee, 5% Travel Agent Commissions, 2% Credit Card Commissions, $4.00 per occupiedroom night (TRUMP Fee) & Group meeting fee may apply.Other Monthly Fees: 4% of the gross revenue is moved to the FF&E Reserve account and approximately$20 for liability insurance.Monthly Condominium Dues: $895.57 (These can be deducted from your monthly revenue)Initial Rental Program enrollment fee $500 and $2500 initial FF&E Reserve account contribution.Fees for OWNERS STAYS: In Rental Program (Optional): 1

Additionally, Lenders can assist with a rapid rescore, working with credit agencies to guide you on which cards to pay down to boost your score.

But the thought of all that money has changed their minds.I can see Vrbo charging 3% on taxes for the credit card fee, but I didn't know they charge 5% commission on it too. 

Browsing through YouTube, I came across Ashley and Tony's episode (Real Estate Rookie), in which they interviewed Bryan.

If you get a red card, you can not proceed.

I went to a public hearing on a red card that the town fabricated because a structural inspector decided to do an electrical inspection early.

BP also has several great podcasts including a show for Rookie Investors such as yourself.