Instead of the commission I had it credited back towards repairs. 

You can definitely do a home equity line of credit or cash-out refinance on that property to fund another deal.

Hence, you could have a cash flow generating machine but won't get any credit.

No bank, no credit report, no hassles.Would that qualify as a "deal"?

Bob gets excited & begins planning for the future. 2 weeks later person A finds out they have terrible credit & the bank won’t loan him enough money to buy Bob’s house.

The ding, 4-5 points on your credit score, is only temporary. 

If you have some really high interest CC debt or a lot of CC debt then you should probably start putting it on these bills to boost you credit score and improve your debt to income ratio.

.  ($129,500 to $135,750) or ($136,500 to $146,250) depending on the appraised value.Shop around with local banks and credit unions for better deals.

Account Closed So does this Tenant Buyer normally have poor credit? 

Doesn’t look like a terrible deal .