My score just went up to 802 from 766 last month.  

@Senad Salihovic Interest rate is a combination of your Loan size, Credit Score, Loan LTV, DTI, Source of income (to list a few main pieces). 

100% of the rent is able to go towards debt service and there is income and credit score enough to support the refi (I think at least).Joe

(725 credit score, good income).

We currently own our house so this would be a second homeWe have credit scores in the 800'sWe make ~$250k/yearWe have (or better yet, my wife wont let me) spend that much on a downpayment so I need to get creative.Do I have any options or should I save/convince her to risk some money on this?

hi my name is Patricia I am a very positive and eagered to learn person that's trying to get into the real estate business and yes I am brand new yet ready to score for the wealthy investments of my family safe net so lets get rolling!

We both have descent credit scores (above 750 Fico), nominal amount of debt, have a combined income of $125K (I earn 80K, she earns 45K) and would like to get some feedback to determine the best approach when applying for a second mortgage.

They generally go off of your credit score, motivation to flip and succed and a couple of other paraeters.

He filed Chapter 7 last February and has a credit score over 600. 

Though I suppose with an inflated price and thus lesser accounts in the pool they saved you some money on servicing costs while charging you more for the loans.