Factor in tax benefits.  

So if the value of that property raises 100k in 12 years, then me renting it out for $1500 is going to be a huge hit on my because my purchase price was 100k higher than the owners.So my question more or less was how to consider that when acquiring properties that may have existing tenants locked in at a rate or factoring that in with what the MLS has the unit rent price listed for to account for the price at which I will purchase it for. 

Is there some other consideration that you are factoring in?

These monies will help me get my business started and will help me with producing educational content to support both children and teachers in the quest to integrate creative learning tools into public and private schools.

No other credit score factors changed during this timeframe.Please note that even if you pay off your credit card every month your utilization can hurt you because it is based on your statement balance. 

What have been some of the frustrating factors of being a remote investor?

@Alexander GeorgeThere are several factors to this and your real estate agent and mortgage broker should have explained this to you.

It's hard to stand out.There are some owner-occupied segments with people who share motivating factors for selling their home.Seniors with Long-time Ownership: often ready to downsize or transition to assistance.Homeowners with Low Financial Stability Scores (FSS): Struggling financially and likely ready to cash in on their asset.Both these categories have additional advantages in that they probably don’t haven’t been updated and may have deferred maintenance.

Rates depend on many factors, you want to go for conventional 30 year loan if possible.

It's actually a gold mine because you have much more control over your buildings and the residents in it and the Vacancy Rates are held incredibly low because rent-regulated apts are basically removed from the available housing stock, lowering the supply of apts, as well as other factors including AirBnB.I have also seen abuse go both ways where Landlords purposely harass tenants.