I'm hoping someone can possibly give me some advice on helping improve my score more specifically utilization....I recently put an engagement ring on a no interest credit card for 24 months.

You can also use the free version of Podio and create a form that will automatically upload the data to the CRM.

Other agents I've talked to have said the same thing, so it seems to be a trend along all the versions of the test.

Not that they ignore Credit Score, etc. but they tend to use a more asset-based versus income based approach to their lending.

Google Score small business.

Will it hurt my credit score if I attempt with 2 lenders?

Your credit score isn't high, and the loan/value ratio is too high.

If the contract being assigned is for some version of O.F., then the end buyer (assignee) will be obligated to those terms, unless the terms for either type of contract are renegotiated.

With there own version of going into a market and buy 500 homes.. then exiting in 5 years with returns projected in the 20% range.. with cash flow at 8%  which I can see the 8% cash flow because that's about what a investor that has to hire everything out can make... its the counting on reselling without substantial rehab and making the big returns that I have to wonder about..

Please keep looking and learning, all the while, doing everything you can to get your credit score onto a good footing (including regular SAVING - every pay day), and the do-able deals will come.