You won’t have a payment if you don’t use it, just like a credit card. 

My wife and I have jobs and our credit score is roughly 580.

There is no way to refute afterwards, this is the best way to revert it, of course unless you are wrong about the footage and the footage reported is accurate.99.99% of the time the inaccurate information is due to a lazy appraiser gathering that information off of some old public information.

Of course, this is all fully disclosed in the lease and my policies.I also have a policy against animals owned for less than one year (puppies, kittens, or newly adopted animals) because those are the most likely to cause damage.EDIT: to be more precise, I would not allow the tenant to stay with the animal.

I pay off my credit cards, and save like crazy for the next down payments.  

If you’re interested, I can set you up with full access and some free credits to explore the platform.

Like a credit card you only pay interest on the money you withdraw to use.

Increasing your skill and competitiveness can be achieved by pursuing further certifications or taking courses in real estate finance, investment analysis, or property management.

My biggest issue is that my credit most recently took a hit, dropped 100 points from 740-640.

Maybe the loan shows up on your credit report and tilts your debt utilization to a point that makes the lender feel uncomfortable.Can you share some details about the deal?