Eventually I hope to overcome it :)

If you scrape you have now created new issues that you have to overcome with the building department and Public Works and the Utility provider.

Credit score is too low, and not enough other mitigating circumstances to over come that score.

Your eval process has to overcome that.

What can a NEWBIE do to overcome this? 

However, even the best of brands pre HUD or HUD cannot overcome years of deferred maintenance or abuse.In a park I developed in Florida with 24x60 first year HUDS, all but two of those 600 homes were still fully operational in 2005 and owner occupied.

It sounds like you have already overcome one of the greatest hurdles new investors face...you've already gotten off the sidelines and bought your first cash-flowing rental property. 

Just remember...you can over come anything as long as overcome yourself!!!!!

Here are a few great articles that should help you get through it:- 5 Ways to Overcome Analysis Paralysis- Avoid Getting Stuck in Real Estate Investing’s Paralysis of Analysis- Frozen by Paralysis of Analysis?

I had to bring him into the sale of my property to get the buyer a loan as her two prior lenders had underwriting issues they couldn't overcome.