Yea I thought I was applying for an investor intern position, ended up in a KW meeting with multiple others.

Where it does count as an inquiry and lowers your score by only 5 points or so is if you initiate a potential lender to check your score, e.g. you apply for any sort of loan.Technically those free sites can provide some value but only if you use it to see how you're doing relative to previous scorings from the same site.

Since you're a newbie w/ a real estate license, good credit and a small amount of cash, you should consider:hang your license w/ a broker that specializes working w/ investorsbecome a master @ learning how to use tools available to realtors that are not available to the general public to source and analyze opportunitiesfind experienced investors looking for deals and partner up to learnfind an investor w/ cash but bad or no credit and partner up on a deal where you can leverage your credit and their cashthe last bullet applies on any strategy.  

With me not being able to apply for a mortgage right now as I do not want to disrupt the deal on my other unit,  what is the best way to finance this deal so that both of our names can be attached to the property?

The regulations do not apply to:-primary residences-individual room rentals (less than the entire dwelling).

That applies to capitalization rates, cash on cash return

I sign for Sean Terry Academy, Even though, I haven't apply everything he teaches, is not his fault, but mine for not following as he said to do.

Dodd-Frank may or may not apply to you, but you still have a financing arrangement.

Shelter is a basic human need and they didn't hurt you by applying.

I understand completely not going back to the have-a-pulse-sign-here days, but I do think there are protections in place that strike a nice balance in promoting responsible home ownership, and anyone who has applied for a loan these days knows how strict they are requiring proper documentation.