Hello, my name is Karina.I’m a recent graduate with a BS in International Business & Accounting. I’m curranly taking real estate classes at Temple University. A friend referred me to this app so I can expand and d...

Hi @Karina Torres are you asking about your credit vs. your income, about mentors, or both? 

Inspirational every time.If you haven't already, I would recommend that you start talking to lenders (banks, mortgage brokers, credit unions, etc.)

This is my first real estate property, but it's older and the loan amount is small (less than $200k), so the banks and credit unions I shopped around at are asking for higher interest rates.

If the partnership is throwing off ECI, it may be beneficial for the NRAs to invest in the LLC through another LLC taxed as a C Corp.US tax treaties with the UK and Ireland would need to be examined.Creating disregarded SMLLCs for the NRAs might create issues with lost tax credits due to the disparity in treatment between countries. 

We purchased the building for 1.1 million, and we were able to negotiate a $30,000 credit.

Terrible purchase.  

Because  my credit it just average 640,  and my debt to income ratio is high.  

I'm currently working a 10-year plan for retirement, at which point I would like to relocate (to the Outer Banks, N.C.) and allow one of my sons to take over the mortgage payments on my residence (financed at 3% thanks to a loan mod from several years ago).Credit is okay but not great.

There are all things banks look at when lending aside from the objective (i.e. credit score, collateral, etc).