However, got a willing tenant with an excellent credit score and everything willing to sign up for a year lease.

And then there’s the real estate which you could purchase or lease to save in cash. 

if they do, im guessing they will want to keep the credit score more than others?

You usually pay an upfront option fee (around 1% to 5% of the purchase price), and a portion of your monthly rent may go toward the purchase price, helping you build equity over time.Pros: Flexibility: It’s a great way for buyers who might not qualify for a mortgage yet to secure a home while improving their credit or saving for a down payment.

FHA streamline refinances are as low as 5.75% right now for primary homes with good credit. 

I currently live in and operate 1 STR in the area and as a real estate agent I've helped people buy lots of STR properties from Perdido Key to Panama City Beach.1) The STR market here is congested and there is a lot of competition. 

I have seen rates as low as 5.875% on LTV's under 65% this week with good credit.

@Susie Lowe it is difficult to find real opportunities unless you have boots on the ground or a close relationship with a commercial broker or wholesaler.

Credit scores are based on a variety of things, mortgages being one.What will happen, if she misses a payment, is that will affect your credit.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?