That background in commercial real estate sales will be incredibly helpful in jumpstarting your MF investing.

Alex, congrats on your incredible success!

Looking at it in hindsight I should have requested several things including exceptions during pandemics, the credit score minimum I require for placing a tenant, the exact security deposit, and how credit and background checks are processed.

I currently have a 760 Credit Score and $20k in savings.

How frequently do you think a new investor can score a property for .35 on the dollar?

Instead, continue to educate yourself on how to buy and manage rental properties (since that's your end goal), start analyzing deals now, and ensure that you're in a position to jump on a deal if it presents itself (save for a downpayment & protect your credit score). 

Around credit score, I heard the best time to get them is at 18, since I think you get lowered score for taking credit out?

Combined their gross income is 3.6x rent. 1 great credit score (mid-lower 700), 1 mid (Mid 600 no credit history), 1 bad credit score (mid 500, balances owing on closed accts but no collections no open accounts.)

The value I add to the deal is my expertise and experience in structuring the loan based on client's individual qualifications such as credit score, income, assets, experience and character.

I just experienced the same money issues with COVID impact (ie credit score > 800, own a $500k home, etc.) on my first flip deal and was able to go through my retirement on a line of credit, got a heloc, and personal loan from family for the last 5% via promissory notes.