The thinking goes like this: if your prospective tenant has a record or is here illegally or has bad credit they are more likely from a protected class and you can't deny them.My niche is high credit score tenants.

I just read that they are creating a new way to calculate FICO scores for people who dont qualify for loans. 

http://www.biggerpockets.com/users/DemitriusIf you don't have money or credit you need to look at seller financing to be able to get a house for yourself and your familyI would look at Lease to Own or buying on a wrapFHA is rolling out where they will  pay the closing costsYour first job should be to be able to improve your Phico score in one of the best ways to do that is Bank Round RobinPm me

I did a search based on livability score of cities with 50,000+ population then kept only B and better for cost of living and crime rates which narrowed it down to about 15 areas to further investigate and Bartlett kept showing up. 

My credit score is 720.

No repairs - now and not for the next few yearsThe schools are not exact perfect scores but if I look for similar homes in areas with good schools the ratios may not be as good for brand new homes.I appreciate your comments .Regards,Harsh

However, if you bought your property below-market value and want to cash out for a larger sum, if you re-finance within the first 12 months, I understand most lenders will use the lesser of purchase price or appraised value, when determining the value of the property.  

You know about the 1% rule when it comes to rental but I thought about the 1.0 rule when it comes to your forum post score and trying to stay above it. 

We'd like to move into a property around June 1st, but could delay until as late as July or - to a lesser degree - have some flexibility to begin a lease in May.Many thanks for any help you're good enough to provide! 

My credit score is 790 and can put 20% down but prefer less.What is killing me is my debt to income ratio, its like 200 or 300% on paper but still all cashflow great.