Sometimes with our younger applicants they will have 0 credit, which just means they do not have credit cards in most cases which is not necessarily a bad thing.Does your report provide specifics such as derogatory credit and non-derogatory credit?

Not bad.Until a buyer walks in and sees poor cut-ins, streaks, uneven applications, etc., and they decide that because of the quality the house is worth more than $2000 less than market value...And, if you can teach someone to paint like a professional in an hour, you could be making a lot more money teaching than flipping houses! 

If your prospects for getting more qualified tenants are reasonably good, I would reject their application.  

SS applicances, maple cabinets, granite countertops, new moldings and casings throughout the floor.

Even when you have worked out your own 'rules' that should be applicable to your market, I would still recommend that you NEVER multiply out that percentage to arrive at your 100% Maximum Offer!

., Name of IRA Holder) as an additional insured, visa versa, or is the named insured identical to the manner in which the property is titled?

John's hard money lender had a rigorous application process and none of the deals I submitted were approved.

It just says as applicable by local laws.

You don't need to join DnB to get credit rated, no more than you would have to join a MC or VISA club to get credit rated.

I only had to put down 5%, didn't need PMI, closing costs were minimal, no application fee, no appraisal fee, no credit check fee...and no junk fees.