Indy is business friendly and has a AAA credit rating, lots of jobs and has had a steady 3% population growth over the past 30 years.

I attended college before joining the Air Force and have nearly $25,000 of school loan debt that has hurt my credit score substantially.

Hello,I wanted to ask if an investor can get away with poor credit?

My credit score took a dive of 30 points. 30!!!

I'm not in Philly but in general local banks or even a credit union can be a good option vs the national banks. 

You'll probably have a slightly higher rate, but you'll maximize the cash-out and have your private lenders interest paid off.In the meantime, go to every local/regional bank/credit union and see what they can offer.

Credit union for small multifamily, then large bank business account as I scale larger?

And also if all things go terribly (like the above scenario of -1517 cash flow), if you'd be able to hang on to that until it appreciates or until you can figure out a way to bump the cash flow.

I have everything I need- credit, income etc. to qualify to buy it.

low credit and low rent to income?