I will remember the little negotiation trick you used, that was great!

Buying cash is a way to trick you.

Then a simple LLC might do the trick.  

I appreciate all comments tips and tricks!

The tricks go on and on......

As far as utilization goes, any amount reporting will have a negative effect on the score unless it is the $2 trick (which is an advanced topic) the negative effect becomes more pronounced as you pass the 10%usage level.

The trick is in the numbers.  

If you plan to rent out rooms and has private bathroom you will have an advantage.A trick I learned is providing a finder fee for a vacant room.

There's no tricks, study and understand the material to pass the test.

My immediate needs with BP are to learn the most effective ways to identify leads and obtain financing, along with tips and tricks on buying and managing MF property outside my local market - this is a big desire but also a big concern, not having done it before.