With a good credit score will lend 85% Ltv on investment with less overlay than many banks per the broker stated over the phone.My current financing is with palmetto citizens, Wells Fargo (loc & personal loan), and Sun Trust.

Credit score over 760...Thanks in advance

So the score so far.... 5 calls in 5 days...

Your credit score requirements increase to min 720 and the reserve requirements are 6 months for each property (including the first 1 -4 which previously did not require 6 months reserve).

No, release fee they are buying your option, I place them into a savings plan to save 3% and send them to a FICO coach to increase their score.  24 months usually.DO NOT USE WORDS LIKE DOWN PAYMENT!

so, couple months ago i settled multiple unsecured credit cards and now finally they are reporting as closed (by the consumer) and settled (for the amount agreed; a few say for less than the full amount, though).my fico/credit score is still terrible, low, though, at 528. last year, it was in the 700s but then i splurged at home depot and realized i may as well just default on all those credit cards and let them go to collections cuz i heard they settle for around half. besides i was going 'blind' (severe postcapsularhaze) for some time after a traumatic head-on injury and even after eye surgery in both eyes so my credit score was the least of my concerns.anyways i'm wondering now that i do not have nor will i open any new lines of credit (no more credit cards, no more cell phone contracts, no mortgage, no auto loan, etc) indefinitely, how long might it take for my credit as far as 'score' to be back up to qualifying say for an FHA?

I have really good rent through a family friend so I won't be leaving any time soon.I have zero debt, decent savings, credit score of 820. 

A word of caution, all these areas mentioned by me and others are areas that have risen up out of the ashes for the most part, so great deals will be hard to come by...be prepared to pay a lot more than say a comparable house lesser developed area of  Philadelphia.Lastly, I would suggest you not rule out areas that was mentioned by @John Matthews. 

What is your credit score?

Kind of in the same boat except I decided to pay off debt that will help me secure higher credit score and DTI %s.