Several mitigation techniques can often significantly impact your costs.

Neither of those sites impact your credit score because they do a soft pull on your credit.Other than that, don't open up too many credit cards at once (maybe 2 cards total), because too much at once impacts your score in a few ways (hard inquiries, new trade lines, and age of credit history).Last, pay your bills on time...late payments really negatively impact your score.

Here's a quote from the author:....Since NOI does not consider debt payments, Cap Rate ignores the impact of financing.

To add to some of the comments here, seller's financials are only a small part of the due diligence and are often close to worthless if self-managed.Consider the following:Three furnaces that are past the end of their useful lifecycle will have more of an impact on your returns over the near term than current leases, yet you don't ask for HVAC maintenance logs prior to making an offer.You will be managing this property going forward, not the seller.  

The miracle morning routine is what I do every day now and it has had a huge impact on my growth as a human being and an investor.

As Brian and Doreen already mention, just putting it in a different way... make the decision only after you see the impact based on two aspects (1) the larger picture of your portfolio, income and taxes and (2) the impact to the IRA in terms of cashflow needs for the property.With regards to the DOL PTE 80-26 exemption, please use this as an extreme last resort as there are many a documentation that needs to maintained as justification for the DOL and the IRS (more than the requirements of any custodian).

[T]herefore such a practice would violate the Fair Housing Act.”because blacks and Hispanics commit crimes and go to prison at much higher rates than whites, a policy of automatically rejecting applicants with a criminal past will have a “disparate impact” on different racial groups

Its an excellent resource.I enjoyed our time together last week - I'm glad it was impactful for you.

As a new investor I see how profound this statement is.

That is one of my concerns though, and I am trying to get more data on the impact of economic downturns on these types of properties.