I haven't re-fied yet, truth be told some of my investment was done I think incorrectly as I have taken lots of it on with credit and as such my score has dipped a bit..

Now, with our credit score being shot what would y'all recommend for us.  

In my area they are very common and usually target SFHs.Something landlords should always keep in mind is that the purpose of screening is to find reasons to reject applicants, it requires detective work beyond simply reading a credit score.

Some companies have their own versions of the standard forms that may include the coverage. 

America First even has a non-owner occupied version of a HELOC that is supposed to loan up to 80% of appraised value.  

It did prompt the new HUD rules.I anticipate the HUD rules being expanded to credit scoring, which can be impacted by statistically abnormal arrest rates in certain populations (affecting  job stability and credit management) and by mental illness or other disabilities that affect such life skills as timely bill payment.

If their Free stuff doesn't "wow" you the paid version will not.

Credit score is 800.

I guess I would like the listing as I'm new to the field and this would be a good score.

Problem is, I don't think anything will come up on her background check or her credit score.