Im still here, so it works when you don't have the best credit.However, the answer to your original questions, and im always asking around because every institution is so different, is 680. 720 is great, but 680 will get you in the door.

I made a spreadsheet in Google docs that I use for a CRM....this couldn't be that much different. I

Since the seller hasn't differentiated this property's income from his other properties, and hasn't kept a detailed rent roll, I've asked to see copies of all current and previous leases to try to reconstruct some kind of occupancy timeline.

I'm thinking that every situation is different and there are special cases/individuals that just won't care and go through it, regardless of cost differential.  

I've also been able to differentiate the price points between cookie cutter remodels with the standard stainless/granite finishes compared to those with finer details, wainscoting/crown/carrera baths etc.

Chris, I should have been a bit clearer up front also and as i mentioned every situation is different. I

Ordo I need to present it a little different. I

If something different is actually happening than what's in the docs, call and find out why.

The two main things to look for (as in any house with a basement or crawlspace) are signs of moisture intrusion and differential settlement.

I made it my resolution to participate in my first investment this year and I'm excited to see where it takes me.I've found the trouble with most things in life is taking that first step and I feel this is no different. I