In Detroit for examples, and many other lower scoring neighborhoods, most carriers will only offer Basic Form coverage, thus excluding Water Damage & Theft, among others. 

And if you don't have a marketing budget, do the free and cheap marketing but as soon as you score a deal, reinvest as much as you can into marketing.  

Assuming, of course, that everything else qualified (i.e. your DTI, credit score, property seasoning, etc.)Regarding question #2 - if you paid off the loan on the first house, yes, you could refinance it again since you would now own this house free and clear as well.

Ex. 4-bedroom houses sell for $15,000 more than 3 bedrooms, therefore a bedroom is worth $15,000.You compare a house with nicer finishes to one with lesser finishes by figuring out how much it would cost to bring up the less house to the nicer level.

And I don't understand why a landlord would have their tenant pay that much just for their credit score as couldn't the tenant just go to Credit Karma or directly to Experian and get their credit score for free or a $1 and then forward that to the landlord?  

I was referring to the OP saying it wasn't about the fee when it was about the feeI am usually way too competitive to buy someone else's deal but it is a score for the wholesaler to pull off a 100% fee

The AI issue is really the lesser of my two questions.  

I'll never understand the credit system but that will supposedly keep your score from dropping.

740 score gets you the best rates in most (if not all?)

Also I thought pre- approvals require a credit check, which could affect my credit score right?