I also have a rental in a neighborhood named after all the Ferris Bueller characters.  

There's a controlled, pre-existing relationship (likely of a sexual character - but I don't know you and I'm not assuming) between the agent selling the property and the inspector who assesses its quality. 

I can help and I am willing to extend a hand up because of the work ethic and quality of their character.

Some lenders will offer lower interest rates above a certain dollar amount, and then some shady character brokers will charge a fee for putting your application in below a certain dollar amount also.

There's lots of resources here, and lots of very smart people.I'm assuming you are a Certified Financial Planner (some strange characters came through, so I might be wrong).

You will meet some seasoned people at the REIA, but mostly newbs, a lot of great people, but always a few shady characters who try to "make deals" or "raise money".

@Steve Babiak Thanks I had some idea there were panels and drop ceiling stuff we could install but it would likely  destroy the character of the apartment and I doubt the downstairs tenant would want it even if I offered to do it. 

Credit refers to your character and debt payment practices.

This is the I believe what John was trying to convey to you and you probably have not thought through the what if's for the seller.From What Wayne Brooks has mentioned a Sub too default in Florida can be a feloney and I think all states should have that law.. there is far to many newbie rookies etc that get into this and totally foul up the poor seller.. this is not only about you the investor trying to leverage into a deal its about a seller being able to sleep at night knowing who they deeded their home too has the credit capacity and character to follow through...

It has a lot of character!