Often times, I advise folks to start with HML or PML and the refi into a DSCR loan with a bank/CU when the property is stabilized.I am going to assume that a HML/PML loan would be at a higher cost/rate than a bank that would play ball, so I would prefer that if possible...

If you play your cards right, you can have the permit submission package ready for submission the week after Closing.

Go learn how to be nicer or go play in traffic!

It'll be interesting to see how this plays out.

Having good schools played huge part in the properties we purchased.  

Factors like real estate trends, property taxes, and competition also play a role.

Maybe play dumb a little "I don't know if I'm in the right place..."

Credit scores are a reflection of someone's ability to learning and understanding the rules of the game and haveing the discipline to play by them.If you already have good credit, already pay everything on time (autopay), then increaseing your limits will probably help you the most, because it gets your utilization down, ideally under 10%.Higher hanging fruits are average credit and account age (just have to wait for that I guess) and inquiries, which are sometimes unavoidable as real estate investors.  

Soon enough they will see your success and want to emulate your actions.2.You will have to sacrifice a lot of your fun time.

While this is all good and fun, I understand that there is some criteria to meet when I eventually move out and have to apply for a rental license.