@Katie Stewart @Marty Bauer - I'm referring to extra information outside of a credit report such as a driver's license. 

Long story short I’m being sued by the plaintiff over lawyer refusing to credit the seller for taxes supposedly paid.

It’ll be a $450K conventional 30 year with a loan to-value-ratio of 65%.My credit scores are 717, 715, and 705.

@Brenna Wood what’s her credit score?

The bank said we could do 80% LTV, I would then use the funds to pay off some personal debt (credit card/ car note) which is around $400 in payments a month and then have 25-30k left over to put as down payment on another SF rental.

That's why you always collect information about where they work, bank, get credit reports, etc, so you have something to pursue.

I currently have a high 700 credit score rating, and have worked very hard to maintain it.

Check and credit card will be last on the list . 

Check credit reports. 

I one had a real estate license (20 some years ago), but all they wanted me to do was open the white pages and make phone calls...needless to say in my mid 20's (before the internet) that wasn't enough action...since the only other real estate experience was owning my own house....I have reading a lot, listening to the podcast, and attending some of the webinars and am soaking it all in....I would like to build for our retirement, just figuring out how i want to do it!!