In addition to that the money that I am saving from previously paying rent, electric, internet etc...

I want to keep it as a rental property but they want all cash AS-IS, I have been Pre-approved for a mortgage a few months back but my credit has declined due to school and a new car.

I've had good luck on investment property loans with American Internet Mortgage. 

PenFed Credit Union has been spectacular for me with HELOCS.

The meter is connected to the internet and I can monitor water usage by the hour, day, week, month, and year.

Also, hope you were able to use the $1000 referral credit.

I am planning to buy another home (most likely a live on oneside rent the other multi family) next spring once I take care of some unwanted credit card debt and save some money for a down payment.

We have w2 earnings around 200k yearly and good/great credit.

I have poor credit (620). 

If I have 3 applicants that have similar work history, clean backgrounds, and similar credit score, then is it okay to choose an older single person over a younger couple.I should state that the most recent tenant I did a terrible job of choosing and after just a year we threw the carpets out and filled two dumpsters with house and yard trash.