I have a credit score of 750 and 15k in cash and was wondering how likely I am to be accepted for an HML.

I dont want it to be impacting all of our credit score. 

Having a completely separate credit card just for this purpose, and even if you don't go for a specific software yet, since you are still on your first building, actually being diligent about tracking in a spreadsheet will set you up for success.

We managed to get seller credit via fixes to the house which is nice.

Customers with good credit end up paying more when they use a "Broker" or Lender who are simply the "middle men".The other thing is there are new programs that only require 15% down for 2-4 units and almost all lenders and brokers require 20% to 25% or more for 2-4 unit multifamily investment purchases.

In addition the buyers had to go through a year long class on money management and how to keep their credit good and so on and so forth.. this program is NOT designed for investors although it says its open to anyone who makes below the median income I believe and you can have crappy credit most do. 

Plus, like a foreclosure, DILs get reported on her credit report, though I understand they get treated less severely.The basic requirement of a DIL is that it has to be 100% completely voluntary.

As I continue my renovation journey and explore ways to enhance my home's value and appeal while saving money on insurance costs, I would appreciate any insights, tips, or advice you have to share.Thank you for joining me on this journey, and I look forward to hearing your thoughts and experiences as I continue to navigate the world of homeownership and real estate investing in Florida.

And that's just how it is.Now if anybody has tips on finding a good partner to invest with, please throw it out there.

The bookkeeping software is currently free of charge and connects to other banks / credit cards or you can choose to bank with them, which is what I'm doing.