.- Second option is to partner with a few american family members with great credit score and possibly buy with 20% down using more traditional financing.I hear other options as well like using portfolio lenders, seller financing etc.

The public versions are www.recolorado.com and www.coloprop.com.

I have clear examples when schools across a street score 7 vs 10 out of 10, and there's a 25% difference in rent and property price.- proximity to parks, groceries shopping- neighborhood profile, no matter how you look at it, tenants from different "asset classes" rarely ever mix themselves.- jobs are great, however, people are willing to commute, usually close to jobs means busy/noisy, apart from Milenials who love that social interaction, older families with kids may prefer a quiet "cul-de-sac" street where kids can play freely- proximity to certain negative aspects such as railroads, flood zonesOn the inventory level, I am monitoring the supply/demand of rentals in a certain area of interest.

I couple that with credit score, collection records from past landlords, judgments, evictions etc.In order to verify timely payments to independent landlord types, i ask the tenant to show the last 6 months cleared checks to prove when rent was paid and the checks cleared.....or other forms of payment confirmation.  

My credit score is fairly good (in the 700s) however I have a huge debt/income ratio in part because of the Guru Lessons but also because I co-signed my son's student loan to get him through college (about 56K).

However, my DTI was out the roof so I knew a mortgage was OUT of the question although my scores were 700. 

You are a strong borrower based on your credit score and down payment.  

We got her score up to 700 in about 18 months 

With both of our scores over 760.This refi would of helped bring down my mort 2400 to 2000 a month.ARE THEY DISCRIMINATING IN ANY WAY BESIDES race,relegion,color, etc.

A 0 credit score is not a bad thing.