THANKS Your local credit union might be your best bet.

But without the experience, knowledge and capital (actually CREDIT CAPACITY) I accumulated the prior 2 + years, this transaction would not have been possible.

What's the lowest credit score you will allow?

Yes, your rate will change but not much if you have good credit it will go up around 5.875% to 6%.

I would check the internet for articles about any lender you are considering.

intrest free credit cards and cash How did you add value to the deal?

Credit?

New construction, fully decked out on the design and amenities. purchase price 785K, 40K in seller credits, 120-140k gross rental projections What made you interested in investing in this type of deal?

You are still going to get the best rate possible with your significant down payment and with good credit I'm assuming.   

Quote from @Daron Williams: I just invested in a tax deed here in texas it was a beautiful lot right on lake sam rayburn. i have it on the market for sale the only problem is you have to have two lots to build on.. i found the person that owns the lot to the right of me and there willing to possibly sale there lot the only problem is i dont have the money or the credit  to purchase it.