The best advice I could give would be to find out why your credit is a 592, and makes steps to improve it. 

So the agents I wanted to add to my term wanted to qualify me - "How's your credit, how much cash do you have to put down, do you have a co-signer?"

And yes, the seller will take some of a credit hit.  

The two areas where I could see improvements are 1.

Stories: 2Year Built: 1984Lot Size: 6.14 ACAPN / Parcel ID: 3-29-00-058.02Last Verified: 3/18/2016 Highlights Over $250,000 Invested in Capital Improvements in the Past 24 MonthsSeveral Units Completely Rehabed with several HVAC/Appliances replacedUpside through Rent Increase to market rate, Improved Management & adding new unitsWell below Replacement CostCash on Cash Return : 25.31% (I do not know how they are getting this number)Internal Rate of Return (IRR) : 23.22% (I also don't know how they got this number)DescriptionValue add opportunity for a new owner. 36-unit, garden-style apartment community built in 1984, the property contains 5 two-story and 1 one-story buildings encompassing wood exteriors and pitched roofs.

But requires:more timemore experiencemore knowledgemore contactsmore deal flowbetter credit accessmore persistence

I secured a line of credit against a portfolio of homes I own outright, so I can make the spread, plus a few points.

Does anyone do credit card churning?

I am looking into a neighborhood that is improving, with decent schools and rental demands.Shoshana

Crane:Hi, I'm still in the beginning stages of building my credit and savings in order to find a good deal.