I have 880 credit score, decent savings, and no other debt except for 300K mortgage on my primary residence (worth $1.5 million).

Hello Jorge,In my 25+ years as a real estate broker specializing in multi-family sales, I've only had to challenge an appraisal once.

And when you said the management company takes a 550 credit score , all I see in your future are evictions .   

For example, I often recommend working with vendors who specialize in rental property maintenance or have experience with rental landscaping to keep your property looking great without overspending.Start Small and SmartFocus on buying a property that fits your budget and investing goals.

When you tell them they will only get paid when the loan closes, they will disappear.If required, the only money you should ever send to the lender is for a credit check.

You would want to look for an owner that has a loan through a bank or credit union or one that has no mortgage. 

Or if you know of property managers who specialize in MTR, can you connect me, please? 

If you haven’t already, consult with an attorney who specializes in landlord-tenant law in Texas(sorry I have no recommendations here).

A friend of mine bought Fortune Builders and because she maxed out her credit cards buying into the program they denied her funding.

For kitchen and bathroom remodels, consider contractors who specialize in those areas as they’re often more efficient.