Other than paying for an appraisal or BPO (and maybe a credit report), you should not pay a lender anything until your loan funds.

THANKS Your local credit union might be your best bet.

If you are young and poor, you have to leverage because its the only way to get some wealth.

Personally I like the Section 8 program when the property is located in a super poor area with a ton of blight and crime.

You are still going to get the best rate possible with your significant down payment and with good credit I'm assuming.   

What's the lowest credit score you will allow?

intrest free credit cards and cash How did you add value to the deal?

Credit?

Perform the same task in each app to ensure a fair comparison.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.Run a credit/screening report on yourself.Enter a maintenance request, assign a vendor, and attach a fake invoice.Enter charges to the tenant's ledger.Enter recurring charges and automatic late fees.Sign documents electronically.Run owner reports.After testing a few apps, one should clearly stand out.

Yes, your rate will change but not much if you have good credit it will go up around 5.875% to 6%.