We have zero bad debt and 800 on credit scores, but maybe that doesn't matter for these kind of purchases?

Can you get a hard money loan with a credit score under 600?

Or are there areas where you can improve the house in general, such as hardwood under nasty old carpets that you can refinish.

So here's the story. My wife and I have finally started in on our REI journey and bought a second home. We will be moving into our new home (Oct 1st) that will be Owner Occupied for 6 months as we do repairs, updates,...

Did the Landlord offer any concessions to the current Tenants i.e. free month's rent, credit towards utilities, etc.?

A very small amount of equity in a personal home (I bought it at the beginning of the year), two cars (maybe worth $12k), a small E-Trade account....My credit score is 670.

While speaking with on lone officer they mentioned a credit card.

I have 780 credit and 831 FICO.  

I am having issues getting pre-approved through a bank as I only have one year W2 job history and two years self employment history, even though I have 660 credit 10K saved and we'll make around 70 K this year all income combined.

I am having issues getting pre-approved through a bank as I only have one year W2 job history and two years self employment history, even though I have 660 credit 10K saved and we'll make around 70 K this year all income combined.