I have been selling cars for about a year and half now and I have an average credit score in the mid 700s.

It is better not to get any feedback than getting odd ones;)Trying to buy town home to live in, price wise, between 350k-450k, I have $85k "cash down payment" with excellent credit score. 

Do I work to build my credit score?

@Jahbari McLennan check and see if you were credited for partial years taxes from seller.

Conventional loans do not typically require residence.You just need to make sure there is NO pre-payment penalty for paying off the loan early.Also you will need all the repair money and carrying costs available in cash/credit. 

I do not want to take a loan on it due to I will be paying more interest vs equity line of credit.

For those of you who frequently use these loans, how do you mitigate the risk of needing to refinance in 5-7 years, but not having any idea what interest rates or credit availability will be like at that time? 

By that time, cash is the king and credit will be tight. 

Seminars are very, very valuable...Just ask the person collecting your debit/credit card number to sign you up for the program.

Basically, keep this $20k separate from all other money and show that it was specifically applied to the closing or rehab on the new property.