Defeated, I gave up. 

I didn't realize that the health industry actually counts as industry for an area.

If this is ongoing only for primary lease term count the number of years times the leasing fee and request a credit from the seller before closing.

You may be in a "desirable school district" but if the school itself isn't desirable it defeats the point.

Unfortunately foreign money or income doesn't count.

I don't know what your prospective cash flow is but I see that target number around a lot on BP.When you have low unit counts, low dollar investments, etc. these things really add up.

(Does that count as a pun?)

So I'm limited to building a new 3 flat but the upside is I can duplex the basement with the first unit, effectively doubling the square footage of that unit because the basement area does not count towards the total building square footage.

However, FICO 9 will eventually add 12 more scores to the count: a new general risk score per bureau plus a new mortgage, auto and credit card industry score for each.So anything you check (Credit Karma, Discover, FreeAnnualCreditReport.org, etc.) should be used as a guide only and not as absolute gospel as to what your "credit score" will be with your lender.

I would think that the actual financials are the ones which count?