If you use different sources it will be difficult to calibrate the different scores, but think of it as a percentage of the max available score.This particular score seems to be based on an applicant's credit history, including payment history, credit utilization, and credit availability. 

Shared laundry meant a fifth utility meter and high water costs that I paid.

GRM and cap rate both looked great, but when we pulled utility records, we found heating costs in winter were brutal because of old, inefficient systems.

I would definitely encourage to utilize all the resources that Bigger Pockets has to offer. 

Title report, confirm utilities and zoning etc. 

I would say don't be afraid to utilize the equity line again.

I have recently started utilizing this platform for just that and I've already had some great conversations with people here. 

Seeing as they have full utilities and stick built, they should be categorized as real property and have good value for their size.

Or find a property that is under-utilized or has below market rents.Otherwise, you could also do the OPPOSITE of the great advice from @Jonathan Greene and buy a property with multi-bed units or live in the larger unit and rent out the smaller unit - while getting a roommate(s).

That's just the max they will pay for rent plus utilities.