I have seen people go from 450 or 500 credit score to 800+ in 12 to 16 months. 

I've got good work history, credit scores, and household income.

After a lot of searching I just refinanced in late February with an internet bank....Investment property loan 4.5% 75% LTV 0 points 800 credit score 6 months seasoning $2300 in loan cost...this would have been lower if I used the same title company I closed with when I purchased it 6 months ago...wasn't thinking...

Picked this tip up from The book on investing in real estate for no (and low) money down by Brandon Turner himself.Lastly, I have head of 1% loans in AZ but they require a high credit score (above 700) so as not to produce sub prime loans..still a little worrisome with that kind of leverage in my opinion ..but I digress.Hope this helps!

Minimum 640 mid-score on credit.Thanks,

I have a good income and have money available for a down payment with a credit score in the low 700s, but does anyone know if the bank would give me a good rate for a 30 year loan? 

If you're only going to use 80k, the limit doesn't matter all that much (maybe a few credit score points). 

There is an online version of this game as well, but I don't know how to work it. 

Opportunity requires risk, and if you're only willing to venture onto the field when the score is 40-0, you're unlikely to ever realize any opportunities. 

They affect your DTI and credit score to boot.