Those pulls have very little impact and I think this myth that you can't shop around or risk damaging your credit is a really cheap marketing move to scare people into grabbing the first lender that calls them. 

If you’re going to school and won’t be working or only working part time, that may really impact what you can afford because your obviously not getting that guaranteed base pay and BAH that lenders love to see for VA applicants especially.

I also tend to think that it's never too late to do something that will have a positive impact on your finances or overall life.

As you grow, your emotional impact from each deal changes drastically.

Running credit for a car or home loan typically does not have as much of an impact on score as people might think.The reason why people think this is because if you are applying for multiple credit cards the bureaus do see these as individual inquiries. 

@Bjorn Ahlblad Thank you for your response.In her June 12, 2020 Real Estate News for Investors podcast entitled ¨Housing Policy: Black Families Still Suffer Redlining,¨ Kathy Fettke provides a succinct, and in my view, persuasive review of how race has, and still does, impact both the real estate field, wealth distribution and opportunity to secure wealth in the US. 

I also know that @Jonathan Klemm will be able to help you make an impact on all the Navy folks up in the Chicago area!

The above items could have a significant impact on the cost of the project.

You'd have to dig on social media and local blogs etc.But generally speaking as long as the schools aren't actually terrible, it likely won't have a huge impact on the property or it's already priced in.

Also recessions have had mixed impacts on housing and prices.