If the borrower will have one to six financed properties, Fannie Mae’s standard eligibility policies apply (for example, LTV ratios and minimum credit scores).

Most small banks and credit unions will do portfolio, or commercial loans.

(Yes, I know how to vet PMs.)Lots of CapEx in the past two years, mostly updated units.New roofs / new plumbing in most / new HVAC / etc.)Block bombproof constructionProperty has been cranking out greatly increased cash flow each year.2016 - the true net after ALL expenses, management, and repairswas about $800/month2017 - the true net after ALL expenses, management, and repairswas about $1,200/month2018 - so far this year, the true net after ALL expenses, management, and repairs is about $1,600/monthI have actual bank statements / tax returns / P&Ls to verify all of thisMany tenants have been there for 5+ yearsVery low vacancy rateAll tenants current on rentThe negatives:Neighborhood is terrible.

I don't want to play financial advisor but at the same time, help them get on track to save up, get credit straight, etc.

It doesn't affect the price.If you want a "discount" for the work needed, then you would lower your offer to the bank or suggest a credit of $1,000 to be given at closing.

If you can't qualify for a loan on that next property, then take on a credit partner...or better yet, a cash partner, so you don't need a loan.

Keep in mind I have good credit between 680-710. just want yall opinions. thanks

There are different credit requirements, but the rate should be lower. 

Consider your credit, by paying down or paying off credit cards.  

My Wife and I signed up with F&G to create our business credit portfolio.