@Steve Vaughan The only debt I have is my mortgage and a few k in credit cards.

Ultimately I would love to start investing in rental properties and potentially even short term rentals through Airbnb or VRBO, but right now I have no cash and poor credit, so those are unfortunately probably longer term aspirations.

The rest goes towards our mortgage or vehicles and we carry no credit card debt with a combined $14k we owe on both of our vehicles.We are now looking to start purchasing rentals to expand our portfolio.

And on another note, my credit isn’t all that good and I put all my credit and resources into the renovation.

I would credit and background check the tenant and get a hold of his lease.

Usually go with non refundable down payment,  some type of monthly credit towards their purchase (only if negotiated ), buyer responsible for all repairs ( assuming home is in good condition when they are buying it) and if they are not able to execute at the end of the lease term offer an extension period with possibly a little more down payment. 

Perhaps, ask again after the next credit crunch comes?

Where can I find lenders that just base approval from the numbers in the deal, not off personal credit ?

Now I will be having to put some things on credit and put a lot on risk to take this massive action, and I know to do this i need a mentor/program like these guys.

Now, with a stellar credit score, I’m qualifying at 4.65%.